Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$367,468Cash toward the purchase price.
Closing costs + prepaids$17,901Not just lender fees.
Before credits & paid funds$385,370The complete starting cash picture.
Estimated remaining funds due at closing
$385,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,468.44
Your down payment$367,468.44
Closing costs + prepaids$17,901.38
Total buyer cash needed$385,369.82
Remaining funds due$385,369.82
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%)$7,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,837.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$907.50
Prepaid interest, first (24 days)$1,589.72
Fees + prepaids$17,901.38
Your down payment is the seller’s equity. You take over the $367,432 balance, so the rest of the $734,900 price is paid at closing. A second mortgage can cover part of it. $385,369.82 is due at closing. Uses and sources reconcile at $752,801.38 each. Not a Closing Disclosure.