Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$349,976Cash toward the purchase price.
Closing costs + prepaids$18,217Not just lender fees.
Before credits & paid funds$368,193The complete starting cash picture.
Estimated remaining funds due at closing
$368,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,975.66
Your down payment$349,975.66
Closing costs + prepaids$18,217.21
Total buyer cash needed$368,192.87
Remaining funds due$368,192.87
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%)$1,995.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,636.00
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$707.09
Fees + prepaids$18,217.21
Your down payment is the seller’s equity. You take over the $399,024 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $368,192.87 is due at closing. Uses and sources reconcile at $767,217.21 each. Not a Closing Disclosure.