Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$307,192Cash toward the purchase price.
Closing costs + prepaids$16,955Not just lender fees.
Before credits & paid funds$324,147The complete starting cash picture.
Estimated remaining funds due at closing
$324,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,191.89
Your down payment$307,191.89
Closing costs + prepaids$16,954.92
Total buyer cash needed$324,146.80
Remaining funds due$324,146.80
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%)$7,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,084.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,247.75
Prepaid interest, first (2 days)$165.12
Fees + prepaids$16,954.92
Your down payment is the seller’s equity. You take over the $416,808 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $324,146.80 is due at closing. Uses and sources reconcile at $740,954.92 each. Not a Closing Disclosure.