Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$331,149Cash toward the purchase price.
Closing costs + prepaids$18,575Not just lender fees.
Before credits & paid funds$349,725The complete starting cash picture.
Estimated remaining funds due at closing
$349,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,149.27
Your down payment$331,149.27
Closing costs + prepaids$18,575.46
Total buyer cash needed$349,724.73
Remaining funds due$349,724.73
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,492.75
Initial HOA (3 months)$420.00
Prepaid interest, first (27 days)$1,075.46
Fees + prepaids$18,575.46
Your down payment is the seller’s equity. You take over the $403,851 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $349,724.73 is due at closing. Uses and sources reconcile at $753,575.46 each. Not a Closing Disclosure.