Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$322,912Cash toward the purchase price.
Closing costs + prepaids$20,072Not just lender fees.
Before credits & paid funds$342,984The complete starting cash picture.
Estimated remaining funds due at closing
$342,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,911.74
Your down payment$322,911.74
Closing costs + prepaids$20,072.09
Total buyer cash needed$342,983.83
Remaining funds due$342,983.83
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%)$7,310.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,040.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,827.50
Initial HOA (3 months)$1,686.00
Prepaid interest, first (24 days)$990.15
Fees + prepaids$20,072.09
Your down payment is the seller’s equity. You take over the $408,088 balance, so the rest of the $731,000 price is paid at closing. A second mortgage can cover part of it. $342,983.83 is due at closing. Uses and sources reconcile at $751,072.09 each. Not a Closing Disclosure.