Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$314,226Cash toward the purchase price.
Closing costs + prepaids$17,086Not just lender fees.
Before credits & paid funds$331,312The complete starting cash picture.
Estimated remaining funds due at closing
$331,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,225.81
Your down payment$314,225.81
Closing costs + prepaids$17,086.40
Total buyer cash needed$331,312.21
Remaining funds due$331,312.21
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.75
Initial HOA (3 months)$114.24
Prepaid interest, first (6 days)$191.54
Fees + prepaids$17,086.40
Your down payment is the seller’s equity. You take over the $434,774 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $331,312.21 is due at closing. Uses and sources reconcile at $766,086.40 each. Not a Closing Disclosure.