Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$403,626Cash toward the purchase price.
Closing costs + prepaids$17,992Not just lender fees.
Before credits & paid funds$421,618The complete starting cash picture.
Estimated remaining funds due at closing
$421,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,626.40
Your down payment$403,626.40
Closing costs + prepaids$17,991.65
Total buyer cash needed$421,618.05
Remaining funds due$421,618.05
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%)$7,397.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,680.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,005.75
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$1,420.53
Fees + prepaids$17,991.65
Your down payment is the seller’s equity. You take over the $336,074 balance, so the rest of the $739,700 price is paid at closing. A second mortgage can cover part of it. $421,618.05 is due at closing. Uses and sources reconcile at $757,691.65 each. Not a Closing Disclosure.