Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$358,613Cash toward the purchase price.
Closing costs + prepaids$17,489Not just lender fees.
Before credits & paid funds$376,101The complete starting cash picture.
Estimated remaining funds due at closing
$376,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,612.67
Your down payment$358,612.67
Closing costs + prepaids$17,488.54
Total buyer cash needed$376,101.21
Remaining funds due$376,101.21
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%)$7,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,851.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,126.00
Initial HOA (3 months)$233.01
Prepaid interest, first (24 days)$769.59
Fees + prepaids$17,488.54
Your down payment is the seller’s equity. You take over the $370,387 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $376,101.21 is due at closing. Uses and sources reconcile at $746,488.54 each. Not a Closing Disclosure.