Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$257,869Cash toward the purchase price.
Closing costs + prepaids$18,854Not just lender fees.
Before credits & paid funds$276,723The complete starting cash picture.
Estimated remaining funds due at closing
$276,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,868.94
Your down payment$257,868.94
Closing costs + prepaids$18,854.14
Total buyer cash needed$276,723.08
Remaining funds due$276,723.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,360.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$876.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (10 days)$839.49
Fees + prepaids$18,854.14
Your down payment is the seller’s equity. You take over the $472,131 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $276,723.08 is due at closing. Uses and sources reconcile at $748,854.14 each. Not a Closing Disclosure.