Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$399,543Cash toward the purchase price.
Closing costs + prepaids$18,177Not just lender fees.
Before credits & paid funds$417,720The complete starting cash picture.
Estimated remaining funds due at closing
$417,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,543.27
Your down payment$399,543.27
Closing costs + prepaids$18,176.91
Total buyer cash needed$417,720.18
Remaining funds due$417,720.18
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%)$7,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,777.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,887.50
Prepaid interest, first (27 days)$744.12
Fees + prepaids$18,176.91
Your down payment is the seller’s equity. You take over the $355,457 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $417,720.18 is due at closing. Uses and sources reconcile at $773,176.91 each. Not a Closing Disclosure.