Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$268,086Cash toward the purchase price.
Closing costs + prepaids$17,093Not just lender fees.
Before credits & paid funds$285,179The complete starting cash picture.
Estimated remaining funds due at closing
$285,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,085.94
Your down payment$268,085.94
Closing costs + prepaids$17,093.16
Total buyer cash needed$285,179.09
Remaining funds due$285,179.09
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,284.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$870.00
Initial HOA (3 months)$67.50
Prepaid interest, first (7 days)$403.09
Fees + prepaids$17,093.16
Your down payment is the seller’s equity. You take over the $456,914 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $285,179.09 is due at closing. Uses and sources reconcile at $742,093.16 each. Not a Closing Disclosure.