Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$331,035Cash toward the purchase price.
Closing costs + prepaids$16,716Not just lender fees.
Before credits & paid funds$347,751The complete starting cash picture.
Estimated remaining funds due at closing
$347,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,035.05
Your down payment$331,035.05
Closing costs + prepaids$16,715.80
Total buyer cash needed$347,750.85
Remaining funds due$347,750.85
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%)$2,019.82
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 (7 days)$245.98
Fees + prepaids$16,715.80
Your down payment is the seller’s equity. You take over the $403,965 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $347,750.85 is due at closing. Uses and sources reconcile at $751,715.80 each. Not a Closing Disclosure.