Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$383,124Cash toward the purchase price.
Closing costs + prepaids$18,784Not just lender fees.
Before credits & paid funds$401,908The complete starting cash picture.
Estimated remaining funds due at closing
$401,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$383,124.03
Your down payment$383,124.03
Closing costs + prepaids$18,783.77
Total buyer cash needed$401,907.80
Remaining funds due$401,907.80
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,779.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,847.50
Prepaid interest, first (26 days)$1,548.89
Fees + prepaids$18,783.77
Your down payment is the seller’s equity. You take over the $355,876 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $401,907.80 is due at closing. Uses and sources reconcile at $757,783.77 each. Not a Closing Disclosure.