Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$362,862Cash toward the purchase price.
Closing costs + prepaids$16,336Not just lender fees.
Before credits & paid funds$379,197The complete starting cash picture.
Estimated remaining funds due at closing
$379,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,861.64
Your down payment$362,861.64
Closing costs + prepaids$16,335.79
Total buyer cash needed$379,197.43
Remaining funds due$379,197.43
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%)$7,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,735.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$852.00
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$340.10
Fees + prepaids$16,335.79
Your down payment is the seller’s equity. You take over the $347,138 balance, so the rest of the $710,000 price is paid at closing. A second mortgage can cover part of it. $379,197.43 is due at closing. Uses and sources reconcile at $726,335.79 each. Not a Closing Disclosure.