Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$365,384Cash toward the purchase price.
Closing costs + prepaids$17,397Not just lender fees.
Before credits & paid funds$382,781The complete starting cash picture.
Estimated remaining funds due at closing
$382,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,384.45
Your down payment$365,384.45
Closing costs + prepaids$17,397.04
Total buyer cash needed$382,781.49
Remaining funds due$382,781.49
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,798.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$748.50
Initial HOA (3 months)$344.01
Prepaid interest, first (20 days)$1,038.45
Fees + prepaids$17,397.04
Your down payment is the seller’s equity. You take over the $359,616 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $382,781.49 is due at closing. Uses and sources reconcile at $742,397.04 each. Not a Closing Disclosure.