Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$311,298Cash toward the purchase price.
Closing costs + prepaids$18,241Not just lender fees.
Before credits & paid funds$329,540The complete starting cash picture.
Estimated remaining funds due at closing
$329,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,298.47
Your down payment$311,298.47
Closing costs + prepaids$18,241.49
Total buyer cash needed$329,539.96
Remaining funds due$329,539.96
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%)$7,333.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,110.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,833.25
Prepaid interest, first (23 days)$747.23
Fees + prepaids$18,241.49
Your down payment is the seller’s equity. You take over the $422,002 balance, so the rest of the $733,300 price is paid at closing. A second mortgage can cover part of it. $329,539.96 is due at closing. Uses and sources reconcile at $751,541.49 each. Not a Closing Disclosure.