Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$520,692Cash toward the purchase price.
Closing costs + prepaids$16,081Not just lender fees.
Before credits & paid funds$536,774The complete starting cash picture.
Estimated remaining funds due at closing
$536,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,692.29
Your down payment$520,692.29
Closing costs + prepaids$16,081.33
Total buyer cash needed$536,773.62
Remaining funds due$536,773.62
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%)$1,021.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,545.00
Initial HOA (3 months)$30.00
Prepaid interest, first (1 days)$16.79
Fees + prepaids$16,081.33
Your down payment is the seller’s equity. You take over the $204,308 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $536,773.62 is due at closing. Uses and sources reconcile at $741,081.33 each. Not a Closing Disclosure.