Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$291,908Cash toward the purchase price.
Closing costs + prepaids$17,296Not just lender fees.
Before credits & paid funds$309,203The complete starting cash picture.
Estimated remaining funds due at closing
$309,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,907.87
Your down payment$291,907.87
Closing costs + prepaids$17,295.59
Total buyer cash needed$309,203.46
Remaining funds due$309,203.46
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%)$7,267.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,174.35
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$857.00
Prepaid interest, first (22 days)$778.48
Fees + prepaids$17,295.59
Your down payment is the seller’s equity. You take over the $434,869 balance, so the rest of the $726,777 price is paid at closing. A second mortgage can cover part of it. $309,203.46 is due at closing. Uses and sources reconcile at $744,072.59 each. Not a Closing Disclosure.