Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$308,065Cash toward the purchase price.
Closing costs + prepaids$18,423Not just lender fees.
Before credits & paid funds$326,487The complete starting cash picture.
Estimated remaining funds due at closing
$326,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,064.65
Your down payment$308,064.65
Closing costs + prepaids$18,422.62
Total buyer cash needed$326,487.27
Remaining funds due$326,487.27
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%)$2,134.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,564.75
Initial HOA (3 months)$255.00
Prepaid interest, first (26 days)$900.19
Fees + prepaids$18,422.62
Your down payment is the seller’s equity. You take over the $426,935 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $326,487.27 is due at closing. Uses and sources reconcile at $753,422.62 each. Not a Closing Disclosure.