Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$355,034Cash toward the purchase price.
Closing costs + prepaids$18,784Not just lender fees.
Before credits & paid funds$373,819The complete starting cash picture.
Estimated remaining funds due at closing
$373,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,034.34
Your down payment$355,034.34
Closing costs + prepaids$18,784.24
Total buyer cash needed$373,818.58
Remaining funds due$373,818.58
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,369.75
Prepaid interest, first (25 days)$736.66
Fees + prepaids$18,784.24
Your down payment is the seller’s equity. You take over the $393,966 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $373,818.58 is due at closing. Uses and sources reconcile at $767,784.24 each. Not a Closing Disclosure.