Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$213,720Cash toward the purchase price.
Closing costs + prepaids$18,819Not just lender fees.
Before credits & paid funds$232,539The complete starting cash picture.
Estimated remaining funds due at closing
$232,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,719.55
Your down payment$213,719.55
Closing costs + prepaids$18,819.26
Total buyer cash needed$232,538.82
Remaining funds due$232,538.82
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%)$7,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,456.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,093.00
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$1,326.86
Fees + prepaids$18,819.26
Your down payment is the seller’s equity. You take over the $491,280 balance, so the rest of the $705,000 price is paid at closing. A second mortgage can cover part of it. $232,538.82 is due at closing. Uses and sources reconcile at $723,819.26 each. Not a Closing Disclosure.