Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$475,044Cash toward the purchase price.
Closing costs + prepaids$16,367Not just lender fees.
Before credits & paid funds$491,411The complete starting cash picture.
Estimated remaining funds due at closing
$491,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,044.00
Your down payment$475,044.00
Closing costs + prepaids$16,367.26
Total buyer cash needed$491,411.26
Remaining funds due$491,411.26
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,249.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$686.75
Initial HOA (3 months)$369.00
Prepaid interest, first (30 days)$593.73
Fees + prepaids$16,367.26
Your down payment is the seller’s equity. You take over the $249,956 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $491,411.26 is due at closing. Uses and sources reconcile at $741,367.26 each. Not a Closing Disclosure.