Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$350,446Cash toward the purchase price.
Closing costs + prepaids$17,657Not just lender fees.
Before credits & paid funds$368,103The complete starting cash picture.
Estimated remaining funds due at closing
$368,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$350,446.45
Your down payment$350,446.45
Closing costs + prepaids$17,656.76
Total buyer cash needed$368,103.21
Remaining funds due$368,103.21
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%)$7,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,997.77
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$977.25
Prepaid interest, first (31 days)$963.75
Fees + prepaids$17,656.76
Your down payment is the seller’s equity. You take over the $399,554 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $368,103.21 is due at closing. Uses and sources reconcile at $767,656.76 each. Not a Closing Disclosure.