Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$331,481Cash toward the purchase price.
Closing costs + prepaids$16,880Not just lender fees.
Before credits & paid funds$348,362The complete starting cash picture.
Estimated remaining funds due at closing
$348,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,481.46
Your down payment$331,481.46
Closing costs + prepaids$16,880.18
Total buyer cash needed$348,361.64
Remaining funds due$348,361.64
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%)$7,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,017.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$882.00
Prepaid interest, first (12 days)$412.58
Fees + prepaids$16,880.18
Your down payment is the seller’s equity. You take over the $403,519 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $348,361.64 is due at closing. Uses and sources reconcile at $751,880.18 each. Not a Closing Disclosure.