Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$339,082Cash toward the purchase price.
Closing costs + prepaids$19,285Not just lender fees.
Before credits & paid funds$358,367The complete starting cash picture.
Estimated remaining funds due at closing
$358,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$339,082.05
Your down payment$339,082.05
Closing costs + prepaids$19,285.35
Total buyer cash needed$358,367.39
Remaining funds due$358,367.39
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%)$7,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,979.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,747.00
Prepaid interest, first (30 days)$992.26
Fees + prepaids$19,285.35
Your down payment is the seller’s equity. You take over the $395,818 balance, so the rest of the $734,900 price is paid at closing. A second mortgage can cover part of it. $358,367.39 is due at closing. Uses and sources reconcile at $754,185.35 each. Not a Closing Disclosure.