Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$325,414Cash toward the purchase price.
Closing costs + prepaids$17,361Not just lender fees.
Before credits & paid funds$342,775The complete starting cash picture.
Estimated remaining funds due at closing
$342,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,414.14
Your down payment$325,414.14
Closing costs + prepaids$17,361.16
Total buyer cash needed$342,775.29
Remaining funds due$342,775.29
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%)$2,067.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$798.00
Prepaid interest, first (27 days)$887.23
Fees + prepaids$17,361.16
Your down payment is the seller’s equity. You take over the $413,586 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $342,775.29 is due at closing. Uses and sources reconcile at $756,361.16 each. Not a Closing Disclosure.