Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$323,137Cash toward the purchase price.
Closing costs + prepaids$16,737Not just lender fees.
Before credits & paid funds$339,874The complete starting cash picture.
Estimated remaining funds due at closing
$339,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,136.87
Your down payment$323,136.87
Closing costs + prepaids$16,737.12
Total buyer cash needed$339,874.00
Remaining funds due$339,874.00
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%)$7,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.82
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$576.00
Prepaid interest, first (22 days)$685.31
Fees + prepaids$16,737.12
Your down payment is the seller’s equity. You take over the $401,763 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $339,874.00 is due at closing. Uses and sources reconcile at $741,637.12 each. Not a Closing Disclosure.