Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$329,981Cash toward the purchase price.
Closing costs + prepaids$17,088Not just lender fees.
Before credits & paid funds$347,069The complete starting cash picture.
Estimated remaining funds due at closing
$347,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,980.64
Your down payment$329,980.64
Closing costs + prepaids$17,088.14
Total buyer cash needed$347,068.78
Remaining funds due$347,068.78
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,025.10
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$550.50
Initial HOA (3 months)$189.99
Prepaid interest, first (25 days)$754.56
Fees + prepaids$17,088.14
Your down payment is the seller’s equity. You take over the $405,019 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $347,068.78 is due at closing. Uses and sources reconcile at $752,088.14 each. Not a Closing Disclosure.