Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$286,264Cash toward the purchase price.
Closing costs + prepaids$17,387Not just lender fees.
Before credits & paid funds$303,651The complete starting cash picture.
Estimated remaining funds due at closing
$303,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,264.01
Your down payment$286,264.01
Closing costs + prepaids$17,387.20
Total buyer cash needed$303,651.20
Remaining funds due$303,651.20
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%)$2,243.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$882.00
Initial HOA (3 months)$366.00
Prepaid interest, first (9 days)$327.52
Fees + prepaids$17,387.20
Your down payment is the seller’s equity. You take over the $448,736 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $303,651.20 is due at closing. Uses and sources reconcile at $752,387.20 each. Not a Closing Disclosure.