Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$442,017Cash toward the purchase price.
Closing costs + prepaids$17,104Not just lender fees.
Before credits & paid funds$459,121The complete starting cash picture.
Estimated remaining funds due at closing
$459,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,016.81
Your down payment$442,016.81
Closing costs + prepaids$17,104.48
Total buyer cash needed$459,121.29
Remaining funds due$459,121.29
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%)$7,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,489.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,886.75
Prepaid interest, first (4 days)$111.32
Fees + prepaids$17,104.48
Your down payment is the seller’s equity. You take over the $297,883 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $459,121.29 is due at closing. Uses and sources reconcile at $757,004.48 each. Not a Closing Disclosure.