Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$334,268Cash toward the purchase price.
Closing costs + prepaids$18,640Not just lender fees.
Before credits & paid funds$352,908The complete starting cash picture.
Estimated remaining funds due at closing
$352,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,267.81
Your down payment$334,267.81
Closing costs + prepaids$18,640.26
Total buyer cash needed$352,908.07
Remaining funds due$352,908.07
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,953.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,407.50
Prepaid interest, first (28 days)$811.10
Fees + prepaids$18,640.26
Your down payment is the seller’s equity. You take over the $390,732 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $352,908.07 is due at closing. Uses and sources reconcile at $743,640.26 each. Not a Closing Disclosure.