Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$482,575Cash toward the purchase price.
Closing costs + prepaids$16,058Not just lender fees.
Before credits & paid funds$498,633The complete starting cash picture.
Estimated remaining funds due at closing
$498,633No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$482,574.70
Your down payment$482,574.70
Closing costs + prepaids$16,058.46
Total buyer cash needed$498,633.15
Remaining funds due$498,633.15
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%)$7,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,252.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$879.50
Initial HOA (3 months)$153.24
Prepaid interest, first (12 days)$225.59
Fees + prepaids$16,058.46
Your down payment is the seller’s equity. You take over the $250,425 balance, so the rest of the $733,000 price is paid at closing. A second mortgage can cover part of it. $498,633.15 is due at closing. Uses and sources reconcile at $749,058.46 each. Not a Closing Disclosure.