Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$415,192Cash toward the purchase price.
Closing costs + prepaids$17,664Not just lender fees.
Before credits & paid funds$432,856The complete starting cash picture.
Estimated remaining funds due at closing
$432,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$415,192.48
Your down payment$415,192.48
Closing costs + prepaids$17,663.92
Total buyer cash needed$432,856.40
Remaining funds due$432,856.40
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,499.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$724.00
Initial HOA (3 months)$540.00
Prepaid interest, first (31 days)$1,532.88
Fees + prepaids$17,663.92
Your down payment is the seller’s equity. You take over the $299,808 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $432,856.40 is due at closing. Uses and sources reconcile at $732,663.92 each. Not a Closing Disclosure.