Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$321,561Cash toward the purchase price.
Closing costs + prepaids$18,700Not just lender fees.
Before credits & paid funds$340,262The complete starting cash picture.
Estimated remaining funds due at closing
$340,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$321,561.24
Your down payment$321,561.24
Closing costs + prepaids$18,700.37
Total buyer cash needed$340,261.61
Remaining funds due$340,261.61
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%)$7,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,862.50
Prepaid interest, first (26 days)$1,052.68
Fees + prepaids$18,700.37
Your down payment is the seller’s equity. You take over the $423,439 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $340,261.61 is due at closing. Uses and sources reconcile at $763,700.37 each. Not a Closing Disclosure.