Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$304,817Cash toward the purchase price.
Closing costs + prepaids$18,277Not just lender fees.
Before credits & paid funds$323,094The complete starting cash picture.
Estimated remaining funds due at closing
$323,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,817.50
Your down payment$304,817.50
Closing costs + prepaids$18,276.93
Total buyer cash needed$323,094.43
Remaining funds due$323,094.43
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%)$2,050.91
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,375.00
Initial HOA (3 months)$201.00
Prepaid interest, first (31 days)$1,282.02
Fees + prepaids$18,276.93
Your down payment is the seller’s equity. You take over the $410,183 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $323,094.43 is due at closing. Uses and sources reconcile at $733,276.93 each. Not a Closing Disclosure.