Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$382,645Cash toward the purchase price.
Closing costs + prepaids$18,293Not just lender fees.
Before credits & paid funds$400,938The complete starting cash picture.
Estimated remaining funds due at closing
$400,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,645.19
Your down payment$382,645.19
Closing costs + prepaids$18,292.53
Total buyer cash needed$400,937.73
Remaining funds due$400,937.73
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,836.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Prepaid interest, first (24 days)$864.51
Fees + prepaids$18,292.53
Your down payment is the seller’s equity. You take over the $367,255 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $400,937.73 is due at closing. Uses and sources reconcile at $768,192.53 each. Not a Closing Disclosure.