Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$317,318Cash toward the purchase price.
Closing costs + prepaids$17,347Not just lender fees.
Before credits & paid funds$334,665The complete starting cash picture.
Estimated remaining funds due at closing
$334,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$317,317.67
Your down payment$317,317.67
Closing costs + prepaids$17,346.88
Total buyer cash needed$334,664.55
Remaining funds due$334,664.55
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%)$7,227.35
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$69.50
Prepaid interest, first (25 days)$1,804.94
Fees + prepaids$17,346.88
Your down payment is the seller’s equity. You take over the $405,417 balance, so the rest of the $722,735 price is paid at closing. A second mortgage can cover part of it. $334,664.55 is due at closing. Uses and sources reconcile at $740,081.88 each. Not a Closing Disclosure.