Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$370,521Cash toward the purchase price.
Closing costs + prepaids$16,843Not just lender fees.
Before credits & paid funds$387,364The complete starting cash picture.
Estimated remaining funds due at closing
$387,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,521.33
Your down payment$370,521.33
Closing costs + prepaids$16,843.04
Total buyer cash needed$387,364.37
Remaining funds due$387,364.37
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,697.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,775.00
Prepaid interest, first (2 days)$52.64
Fees + prepaids$16,843.04
Your down payment is the seller’s equity. You take over the $339,479 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $387,364.37 is due at closing. Uses and sources reconcile at $726,843.04 each. Not a Closing Disclosure.