Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$331,035Cash toward the purchase price.
Closing costs + prepaids$18,006Not just lender fees.
Before credits & paid funds$349,041The complete starting cash picture.
Estimated remaining funds due at closing
$349,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,035.05
Your down payment$331,035.05
Closing costs + prepaids$18,006.40
Total buyer cash needed$349,041.45
Remaining funds due$349,041.45
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,329.25
Prepaid interest, first (31 days)$1,089.32
Fees + prepaids$18,006.40
Your down payment is the seller’s equity. You take over the $403,965 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $349,041.45 is due at closing. Uses and sources reconcile at $753,006.40 each. Not a Closing Disclosure.