Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$328,239Cash toward the purchase price.
Closing costs + prepaids$18,805Not just lender fees.
Before credits & paid funds$347,045The complete starting cash picture.
Estimated remaining funds due at closing
$347,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,239.46
Your down payment$328,239.46
Closing costs + prepaids$18,805.47
Total buyer cash needed$347,044.93
Remaining funds due$347,044.93
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%)$7,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,078.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,860.00
Prepaid interest, first (27 days)$1,208.67
Fees + prepaids$18,805.47
Your down payment is the seller’s equity. You take over the $415,761 balance, so the rest of the $744,000 price is paid at closing. A second mortgage can cover part of it. $347,044.93 is due at closing. Uses and sources reconcile at $762,805.47 each. Not a Closing Disclosure.