Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$389,024Cash toward the purchase price.
Closing costs + prepaids$17,370Not just lender fees.
Before credits & paid funds$406,395The complete starting cash picture.
Estimated remaining funds due at closing
$406,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,024.19
Your down payment$389,024.19
Closing costs + prepaids$17,370.48
Total buyer cash needed$406,394.68
Remaining funds due$406,394.68
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%)$1,699.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,073.75
Initial HOA (3 months)$181.26
Prepaid interest, first (29 days)$907.60
Fees + prepaids$17,370.48
Your down payment is the seller’s equity. You take over the $339,976 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $406,394.68 is due at closing. Uses and sources reconcile at $746,370.48 each. Not a Closing Disclosure.