Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$346,135Cash toward the purchase price.
Closing costs + prepaids$16,503Not just lender fees.
Before credits & paid funds$362,638The complete starting cash picture.
Estimated remaining funds due at closing
$362,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,134.97
Your down payment$346,134.97
Closing costs + prepaids$16,503.26
Total buyer cash needed$362,638.23
Remaining funds due$362,638.23
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%)$7,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,869.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,061.25
Initial HOA (3 months)$126.00
Prepaid interest, first (1 days)$28.68
Fees + prepaids$16,503.26
Your down payment is the seller’s equity. You take over the $373,865 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $362,638.23 is due at closing. Uses and sources reconcile at $736,503.26 each. Not a Closing Disclosure.