Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$341,949Cash toward the purchase price.
Closing costs + prepaids$18,145Not just lender fees.
Before credits & paid funds$360,094The complete starting cash picture.
Estimated remaining funds due at closing
$360,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,948.54
Your down payment$341,948.54
Closing costs + prepaids$18,145.41
Total buyer cash needed$360,093.95
Remaining funds due$360,093.95
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%)$7,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,939.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,484.00
Initial HOA (3 months)$135.99
Prepaid interest, first (2 days)$68.66
Fees + prepaids$18,145.41
Your down payment is the seller’s equity. You take over the $387,951 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $360,093.95 is due at closing. Uses and sources reconcile at $748,045.41 each. Not a Closing Disclosure.