Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$249,032Cash toward the purchase price.
Closing costs + prepaids$17,342Not just lender fees.
Before credits & paid funds$266,374The complete starting cash picture.
Estimated remaining funds due at closing
$266,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,032.14
Your down payment$249,032.14
Closing costs + prepaids$17,341.87
Total buyer cash needed$266,374.02
Remaining funds due$266,374.02
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,429.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,115.75
Initial HOA (3 months)$153.99
Prepaid interest, first (2 days)$74.29
Fees + prepaids$17,341.87
Your down payment is the seller’s equity. You take over the $485,968 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $266,374.02 is due at closing. Uses and sources reconcile at $752,341.87 each. Not a Closing Disclosure.