Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$561,270Cash toward the purchase price.
Closing costs + prepaids$15,229Not just lender fees.
Before credits & paid funds$576,499The complete starting cash picture.
Estimated remaining funds due at closing
$576,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$561,269.50
Your down payment$561,269.50
Closing costs + prepaids$15,229.48
Total buyer cash needed$576,498.98
Remaining funds due$576,498.98
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%)$818.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$924.75
Prepaid interest, first (1 days)$18.08
Fees + prepaids$15,229.48
Your down payment is the seller’s equity. You take over the $163,730 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $576,498.98 is due at closing. Uses and sources reconcile at $740,229.48 each. Not a Closing Disclosure.