Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$335,485Cash toward the purchase price.
Closing costs + prepaids$17,700Not just lender fees.
Before credits & paid funds$353,185The complete starting cash picture.
Estimated remaining funds due at closing
$353,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$335,485.15
Your down payment$335,485.15
Closing costs + prepaids$17,700.22
Total buyer cash needed$353,185.38
Remaining funds due$353,185.38
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%)$7,199.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,922.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,321.25
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$813.48
Fees + prepaids$17,700.22
Your down payment is the seller’s equity. You take over the $384,510 balance, so the rest of the $719,995 price is paid at closing. A second mortgage can cover part of it. $353,185.38 is due at closing. Uses and sources reconcile at $737,695.22 each. Not a Closing Disclosure.