Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$333,498Cash toward the purchase price.
Closing costs + prepaids$18,779Not just lender fees.
Before credits & paid funds$352,277The complete starting cash picture.
Estimated remaining funds due at closing
$352,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,498.47
Your down payment$333,498.47
Closing costs + prepaids$18,778.90
Total buyer cash needed$352,277.37
Remaining funds due$352,277.37
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%)$7,555.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,110.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,888.75
Prepaid interest, first (31 days)$1,007.14
Fees + prepaids$18,778.90
Your down payment is the seller’s equity. You take over the $422,002 balance, so the rest of the $755,500 price is paid at closing. A second mortgage can cover part of it. $352,277.37 is due at closing. Uses and sources reconcile at $774,278.90 each. Not a Closing Disclosure.