Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$333,324Cash toward the purchase price.
Closing costs + prepaids$16,933Not just lender fees.
Before credits & paid funds$350,257The complete starting cash picture.
Estimated remaining funds due at closing
$350,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,323.78
Your down payment$333,323.78
Closing costs + prepaids$16,933.42
Total buyer cash needed$350,257.20
Remaining funds due$350,257.20
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%)$7,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,953.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$100.00
Initial HOA (3 months)$483.99
Prepaid interest, first (28 days)$938.05
Fees + prepaids$16,933.42
Your down payment is the seller’s equity. You take over the $390,676 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $350,257.20 is due at closing. Uses and sources reconcile at $740,933.42 each. Not a Closing Disclosure.