Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$329,573Cash toward the purchase price.
Closing costs + prepaids$17,397Not just lender fees.
Before credits & paid funds$346,970The complete starting cash picture.
Estimated remaining funds due at closing
$346,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,572.67
Your down payment$329,572.67
Closing costs + prepaids$17,397.23
Total buyer cash needed$346,969.90
Remaining funds due$346,969.90
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%)$7,349.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$69.50
Prepaid interest, first (24 days)$1,732.74
Fees + prepaids$17,397.23
Your down payment is the seller’s equity. You take over the $405,417 balance, so the rest of the $734,990 price is paid at closing. A second mortgage can cover part of it. $346,969.90 is due at closing. Uses and sources reconcile at $752,387.23 each. Not a Closing Disclosure.