Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$518,718Cash toward the purchase price.
Closing costs + prepaids$15,934Not just lender fees.
Before credits & paid funds$534,651The complete starting cash picture.
Estimated remaining funds due at closing
$534,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,717.63
Your down payment$518,717.63
Closing costs + prepaids$15,933.78
Total buyer cash needed$534,651.41
Remaining funds due$534,651.41
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%)$1,105.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$888.00
Prepaid interest, first (12 days)$322.87
Fees + prepaids$15,933.78
Your down payment is the seller’s equity. You take over the $221,182 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $534,651.41 is due at closing. Uses and sources reconcile at $755,833.78 each. Not a Closing Disclosure.