Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$431,947Cash toward the purchase price.
Closing costs + prepaids$16,340Not just lender fees.
Before credits & paid funds$448,287The complete starting cash picture.
Estimated remaining funds due at closing
$448,287No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,947.26
Your down payment$431,947.26
Closing costs + prepaids$16,339.80
Total buyer cash needed$448,287.06
Remaining funds due$448,287.06
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$950.50
Prepaid interest, first (30 days)$681.04
Fees + prepaids$16,339.80
Your down payment is the seller’s equity. You take over the $278,053 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $448,287.06 is due at closing. Uses and sources reconcile at $726,339.80 each. Not a Closing Disclosure.