Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$505,257Cash toward the purchase price.
Closing costs + prepaids$17,092Not just lender fees.
Before credits & paid funds$522,349The complete starting cash picture.
Estimated remaining funds due at closing
$522,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$505,257.05
Your down payment$505,257.05
Closing costs + prepaids$17,091.61
Total buyer cash needed$522,348.65
Remaining funds due$522,348.65
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,168.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,500.75
Initial HOA (3 months)$153.00
Prepaid interest, first (29 days)$661.14
Fees + prepaids$17,091.61
Your down payment is the seller’s equity. You take over the $233,743 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $522,348.65 is due at closing. Uses and sources reconcile at $756,091.61 each. Not a Closing Disclosure.