Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$357,727Cash toward the purchase price.
Closing costs + prepaids$17,592Not just lender fees.
Before credits & paid funds$375,319The complete starting cash picture.
Estimated remaining funds due at closing
$375,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,727.16
Your down payment$357,727.16
Closing costs + prepaids$17,592.06
Total buyer cash needed$375,319.23
Remaining funds due$375,319.23
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%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,055.25
Initial HOA (3 months)$534.99
Prepaid interest, first (24 days)$773.96
Fees + prepaids$17,592.06
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $375,319.23 is due at closing. Uses and sources reconcile at $737,492.06 each. Not a Closing Disclosure.