Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$329,660Cash toward the purchase price.
Closing costs + prepaids$18,038Not just lender fees.
Before credits & paid funds$347,698The complete starting cash picture.
Estimated remaining funds due at closing
$347,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,660.48
Your down payment$329,660.48
Closing costs + prepaids$18,037.81
Total buyer cash needed$347,698.29
Remaining funds due$347,698.29
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%)$7,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,094.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,447.00
Prepaid interest, first (26 days)$793.61
Fees + prepaids$18,037.81
Your down payment is the seller’s equity. You take over the $418,840 balance, so the rest of the $748,500 price is paid at closing. A second mortgage can cover part of it. $347,698.29 is due at closing. Uses and sources reconcile at $766,537.81 each. Not a Closing Disclosure.