Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$363,207Cash toward the purchase price.
Closing costs + prepaids$18,738Not just lender fees.
Before credits & paid funds$381,945The complete starting cash picture.
Estimated remaining funds due at closing
$381,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,206.84
Your down payment$363,206.84
Closing costs + prepaids$18,737.99
Total buyer cash needed$381,944.84
Remaining funds due$381,944.84
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%)$7,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,933.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,875.00
Initial HOA (3 months)$243.00
Prepaid interest, first (29 days)$968.04
Fees + prepaids$18,737.99
Your down payment is the seller’s equity. You take over the $386,792 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $381,944.84 is due at closing. Uses and sources reconcile at $768,736.99 each. Not a Closing Disclosure.