Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$424,506Cash toward the purchase price.
Closing costs + prepaids$16,530Not just lender fees.
Before credits & paid funds$441,036The complete starting cash picture.
Estimated remaining funds due at closing
$441,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,506.22
Your down payment$424,506.22
Closing costs + prepaids$16,529.60
Total buyer cash needed$441,035.82
Remaining funds due$441,035.82
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,552.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$552.75
Initial HOA (3 months)$141.99
Prepaid interest, first (26 days)$714.39
Fees + prepaids$16,529.60
Your down payment is the seller’s equity. You take over the $310,494 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $441,035.82 is due at closing. Uses and sources reconcile at $751,529.60 each. Not a Closing Disclosure.