Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$312,605Cash toward the purchase price.
Closing costs + prepaids$19,677Not just lender fees.
Before credits & paid funds$332,282The complete starting cash picture.
Estimated remaining funds due at closing
$332,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,605.28
Your down payment$312,605.28
Closing costs + prepaids$19,676.99
Total buyer cash needed$332,282.27
Remaining funds due$332,282.27
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,181.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,324.25
Initial HOA (3 months)$117.00
Prepaid interest, first (30 days)$2,345.77
Fees + prepaids$19,676.99
Your down payment is the seller’s equity. You take over the $436,395 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $332,282.27 is due at closing. Uses and sources reconcile at $768,676.99 each. Not a Closing Disclosure.