Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$301,814Cash toward the purchase price.
Closing costs + prepaids$17,384Not just lender fees.
Before credits & paid funds$319,198The complete starting cash picture.
Estimated remaining funds due at closing
$319,198No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$301,813.55
Your down payment$301,813.55
Closing costs + prepaids$17,384.20
Total buyer cash needed$319,197.75
Remaining funds due$319,197.75
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%)$2,115.43
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,149.75
Prepaid interest, first (25 days)$652.02
Fees + prepaids$17,384.20
Your down payment is the seller’s equity. You take over the $423,086 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $319,197.75 is due at closing. Uses and sources reconcile at $742,284.20 each. Not a Closing Disclosure.