Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$257,297Cash toward the purchase price.
Closing costs + prepaids$17,732Not just lender fees.
Before credits & paid funds$275,029The complete starting cash picture.
Estimated remaining funds due at closing
$275,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,296.84
Your down payment$257,296.84
Closing costs + prepaids$17,732.07
Total buyer cash needed$275,028.90
Remaining funds due$275,028.90
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%)$7,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,363.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$506.50
Initial HOA (3 months)$1,260.00
Prepaid interest, first (1 days)$84.05
Fees + prepaids$17,732.07
Your down payment is the seller’s equity. You take over the $472,703 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $275,028.90 is due at closing. Uses and sources reconcile at $747,732.07 each. Not a Closing Disclosure.