Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$381,370Cash toward the purchase price.
Closing costs + prepaids$18,667Not just lender fees.
Before credits & paid funds$400,036The complete starting cash picture.
Estimated remaining funds due at closing
$400,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,369.84
Your down payment$381,369.84
Closing costs + prepaids$18,666.57
Total buyer cash needed$400,036.42
Remaining funds due$400,036.42
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%)$7,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,642.65
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,774.75
Initial HOA (3 months)$42.00
Prepaid interest, first (28 days)$1,890.17
Fees + prepaids$18,666.57
Your down payment is the seller’s equity. You take over the $328,530 balance, so the rest of the $709,900 price is paid at closing. A second mortgage can cover part of it. $400,036.42 is due at closing. Uses and sources reconcile at $728,566.57 each. Not a Closing Disclosure.