Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$342,856Cash toward the purchase price.
Closing costs + prepaids$18,860Not just lender fees.
Before credits & paid funds$361,715The complete starting cash picture.
Estimated remaining funds due at closing
$361,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$342,855.50
Your down payment$342,855.50
Closing costs + prepaids$18,859.98
Total buyer cash needed$361,715.49
Remaining funds due$361,715.49
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%)$7,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,935.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,484.00
Initial HOA (3 months)$135.99
Prepaid interest, first (23 days)$787.77
Fees + prepaids$18,859.98
Your down payment is the seller’s equity. You take over the $387,044 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $361,715.49 is due at closing. Uses and sources reconcile at $748,759.98 each. Not a Closing Disclosure.