Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$369,283Cash toward the purchase price.
Closing costs + prepaids$18,424Not just lender fees.
Before credits & paid funds$387,707The complete starting cash picture.
Estimated remaining funds due at closing
$387,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,282.96
Your down payment$369,282.96
Closing costs + prepaids$18,424.42
Total buyer cash needed$387,707.38
Remaining funds due$387,707.38
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%)$7,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,903.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Prepaid interest, first (31 days)$927.99
Fees + prepaids$18,424.42
Your down payment is the seller’s equity. You take over the $380,707 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $387,707.38 is due at closing. Uses and sources reconcile at $768,414.42 each. Not a Closing Disclosure.