Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$389,876Cash toward the purchase price.
Closing costs + prepaids$19,406Not just lender fees.
Before credits & paid funds$409,282The complete starting cash picture.
Estimated remaining funds due at closing
$409,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,876.15
Your down payment$389,876.15
Closing costs + prepaids$19,406.30
Total buyer cash needed$409,282.45
Remaining funds due$409,282.45
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,795.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,768.75
Initial HOA (3 months)$663.00
Prepaid interest, first (23 days)$1,470.93
Fees + prepaids$19,406.30
Your down payment is the seller’s equity. You take over the $359,124 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $409,282.45 is due at closing. Uses and sources reconcile at $768,406.30 each. Not a Closing Disclosure.