Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$370,175Cash toward the purchase price.
Closing costs + prepaids$17,998Not just lender fees.
Before credits & paid funds$388,173The complete starting cash picture.
Estimated remaining funds due at closing
$388,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,175.07
Your down payment$370,175.07
Closing costs + prepaids$17,997.71
Total buyer cash needed$388,172.79
Remaining funds due$388,172.79
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%)$1,894.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,872.50
Prepaid interest, first (18 days)$523.09
Fees + prepaids$17,997.71
Your down payment is the seller’s equity. You take over the $378,825 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $388,172.79 is due at closing. Uses and sources reconcile at $766,997.71 each. Not a Closing Disclosure.