Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$304,802Cash toward the purchase price.
Closing costs + prepaids$17,860Not just lender fees.
Before credits & paid funds$322,662The complete starting cash picture.
Estimated remaining funds due at closing
$322,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,802.43
Your down payment$304,802.43
Closing costs + prepaids$17,859.74
Total buyer cash needed$322,662.17
Remaining funds due$322,662.17
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%)$2,100.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,198.00
Initial HOA (3 months)$179.01
Prepaid interest, first (28 days)$915.24
Fees + prepaids$17,859.74
Your down payment is the seller’s equity. You take over the $420,098 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $322,662.17 is due at closing. Uses and sources reconcile at $742,759.74 each. Not a Closing Disclosure.