Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$345,402Cash toward the purchase price.
Closing costs + prepaids$18,434Not just lender fees.
Before credits & paid funds$363,836The complete starting cash picture.
Estimated remaining funds due at closing
$363,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,402.13
Your down payment$345,402.13
Closing costs + prepaids$18,434.11
Total buyer cash needed$363,836.23
Remaining funds due$363,836.23
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,967.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,847.50
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$875.62
Fees + prepaids$18,434.11
Your down payment is the seller’s equity. You take over the $393,598 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $363,836.23 is due at closing. Uses and sources reconcile at $757,434.11 each. Not a Closing Disclosure.