Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$295,031Cash toward the purchase price.
Closing costs + prepaids$17,575Not just lender fees.
Before credits & paid funds$312,605The complete starting cash picture.
Estimated remaining funds due at closing
$312,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,030.87
Your down payment$295,030.87
Closing costs + prepaids$17,574.52
Total buyer cash needed$312,605.39
Remaining funds due$312,605.39
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%)$7,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,174.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$857.00
Prepaid interest, first (29 days)$1,026.17
Fees + prepaids$17,574.52
Your down payment is the seller’s equity. You take over the $434,869 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $312,605.39 is due at closing. Uses and sources reconcile at $747,474.52 each. Not a Closing Disclosure.