Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$520,119Cash toward the purchase price.
Closing costs + prepaids$14,982Not just lender fees.
Before credits & paid funds$535,101The complete starting cash picture.
Estimated remaining funds due at closing
$535,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,119.11
Your down payment$520,119.11
Closing costs + prepaids$14,981.53
Total buyer cash needed$535,100.65
Remaining funds due$535,100.65
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$471.00
Prepaid interest, first (1 days)$18.13
Fees + prepaids$14,981.53
Your down payment is the seller’s equity. You take over the $204,881 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $535,100.65 is due at closing. Uses and sources reconcile at $739,981.53 each. Not a Closing Disclosure.