Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$226,815Cash toward the purchase price.
Closing costs + prepaids$18,823Not just lender fees.
Before credits & paid funds$245,638The complete starting cash picture.
Estimated remaining funds due at closing
$245,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,815.13
Your down payment$226,815.13
Closing costs + prepaids$18,823.10
Total buyer cash needed$245,638.24
Remaining funds due$245,638.24
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%)$7,310.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,520.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,370.75
Prepaid interest, first (16 days)$1,403.43
Fees + prepaids$18,823.10
Your down payment is the seller’s equity. You take over the $504,185 balance, so the rest of the $731,000 price is paid at closing. A second mortgage can cover part of it. $245,638.24 is due at closing. Uses and sources reconcile at $749,823.10 each. Not a Closing Disclosure.