Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$568,227Cash toward the purchase price.
Closing costs + prepaids$14,726Not just lender fees.
Before credits & paid funds$582,953The complete starting cash picture.
Estimated remaining funds due at closing
$582,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$568,226.78
Your down payment$568,226.78
Closing costs + prepaids$14,725.88
Total buyer cash needed$582,952.66
Remaining funds due$582,952.66
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%)$783.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Prepaid interest, first (31 days)$474.01
Fees + prepaids$14,725.88
Your down payment is the seller’s equity. You take over the $156,773 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $582,952.66 is due at closing. Uses and sources reconcile at $739,725.88 each. Not a Closing Disclosure.