Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$274,495Cash toward the purchase price.
Closing costs + prepaids$17,282Not just lender fees.
Before credits & paid funds$291,778The complete starting cash picture.
Estimated remaining funds due at closing
$291,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,495.13
Your down payment$274,495.13
Closing costs + prepaids$17,282.39
Total buyer cash needed$291,777.52
Remaining funds due$291,777.52
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%)$7,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,172.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$556.75
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$1,059.12
Fees + prepaids$17,282.39
Your down payment is the seller’s equity. You take over the $434,505 balance, so the rest of the $709,000 price is paid at closing. A second mortgage can cover part of it. $291,777.52 is due at closing. Uses and sources reconcile at $726,282.39 each. Not a Closing Disclosure.