Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$356,489Cash toward the purchase price.
Closing costs + prepaids$18,191Not just lender fees.
Before credits & paid funds$374,680The complete starting cash picture.
Estimated remaining funds due at closing
$374,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,488.84
Your down payment$356,488.84
Closing costs + prepaids$18,190.75
Total buyer cash needed$374,679.60
Remaining funds due$374,679.60
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%)$7,349.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,892.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,837.50
Prepaid interest, first (30 days)$892.85
Fees + prepaids$18,190.75
Your down payment is the seller’s equity. You take over the $378,501 balance, so the rest of the $734,990 price is paid at closing. A second mortgage can cover part of it. $374,679.60 is due at closing. Uses and sources reconcile at $753,180.75 each. Not a Closing Disclosure.