Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$254,836Cash toward the purchase price.
Closing costs + prepaids$17,418Not just lender fees.
Before credits & paid funds$272,255The complete starting cash picture.
Estimated remaining funds due at closing
$272,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,836.20
Your down payment$254,836.20
Closing costs + prepaids$17,418.31
Total buyer cash needed$272,254.51
Remaining funds due$272,254.51
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,425.82
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)$486.49
Fees + prepaids$17,418.31
Your down payment is the seller’s equity. You take over the $485,164 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $272,254.51 is due at closing. Uses and sources reconcile at $757,418.31 each. Not a Closing Disclosure.