Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$381,827Cash toward the purchase price.
Closing costs + prepaids$17,520Not just lender fees.
Before credits & paid funds$399,347The complete starting cash picture.
Estimated remaining funds due at closing
$399,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,827.16
Your down payment$381,827.16
Closing costs + prepaids$17,520.31
Total buyer cash needed$399,347.48
Remaining funds due$399,347.48
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%)$7,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$862.00
Initial HOA (3 months)$222.00
Prepaid interest, first (30 days)$967.45
Fees + prepaids$17,520.31
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $744,000 price is paid at closing. A second mortgage can cover part of it. $399,347.48 is due at closing. Uses and sources reconcile at $761,520.31 each. Not a Closing Disclosure.