Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$366,397Cash toward the purchase price.
Closing costs + prepaids$16,600Not just lender fees.
Before credits & paid funds$382,996The complete starting cash picture.
Estimated remaining funds due at closing
$382,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$366,396.65
Your down payment$366,396.65
Closing costs + prepaids$16,599.74
Total buyer cash needed$382,996.39
Remaining funds due$382,996.39
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%)$7,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$609.25
Prepaid interest, first (27 days)$729.49
Fees + prepaids$16,599.74
Your down payment is the seller’s equity. You take over the $358,602 balance, so the rest of the $724,999 price is paid at closing. A second mortgage can cover part of it. $382,996.39 is due at closing. Uses and sources reconcile at $741,598.74 each. Not a Closing Disclosure.