Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$412,840Cash toward the purchase price.
Closing costs + prepaids$16,963Not just lender fees.
Before credits & paid funds$429,803The complete starting cash picture.
Estimated remaining funds due at closing
$429,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$412,839.97
Your down payment$412,839.97
Closing costs + prepaids$16,963.10
Total buyer cash needed$429,803.08
Remaining funds due$429,803.08
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%)$1,660.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$543.25
Initial HOA (3 months)$321.99
Prepaid interest, first (27 days)$769.06
Fees + prepaids$16,963.10
Your down payment is the seller’s equity. You take over the $332,160 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $429,803.08 is due at closing. Uses and sources reconcile at $761,963.10 each. Not a Closing Disclosure.