Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$379,876Cash toward the purchase price.
Closing costs + prepaids$17,721Not just lender fees.
Before credits & paid funds$397,597The complete starting cash picture.
Estimated remaining funds due at closing
$397,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,876.15
Your down payment$379,876.15
Closing costs + prepaids$17,720.81
Total buyer cash needed$397,596.96
Remaining funds due$397,596.96
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%)$1,795.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$886.75
Initial HOA (3 months)$663.00
Prepaid interest, first (12 days)$767.44
Fees + prepaids$17,720.81
Your down payment is the seller’s equity. You take over the $359,124 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $397,596.96 is due at closing. Uses and sources reconcile at $756,720.81 each. Not a Closing Disclosure.