Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$385,723Cash toward the purchase price.
Closing costs + prepaids$17,453Not just lender fees.
Before credits & paid funds$403,175The complete starting cash picture.
Estimated remaining funds due at closing
$403,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$385,722.81
Your down payment$385,722.81
Closing costs + prepaids$17,452.57
Total buyer cash needed$403,175.38
Remaining funds due$403,175.38
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,766.39
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,363.50
Prepaid interest, first (26 days)$714.68
Fees + prepaids$17,452.57
Your down payment is the seller’s equity. You take over the $353,277 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $403,175.38 is due at closing. Uses and sources reconcile at $756,452.57 each. Not a Closing Disclosure.