Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$322,624Cash toward the purchase price.
Closing costs + prepaids$17,947Not just lender fees.
Before credits & paid funds$340,571The complete starting cash picture.
Estimated remaining funds due at closing
$340,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,623.63
Your down payment$322,623.63
Closing costs + prepaids$17,947.01
Total buyer cash needed$340,570.64
Remaining funds due$340,570.64
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%)$7,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,036.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,178.25
Initial HOA (3 months)$183.00
Prepaid interest, first (31 days)$1,031.03
Fees + prepaids$17,947.01
Your down payment is the seller’s equity. You take over the $407,366 balance, so the rest of the $729,990 price is paid at closing. A second mortgage can cover part of it. $340,570.64 is due at closing. Uses and sources reconcile at $747,937.01 each. Not a Closing Disclosure.