Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$331,368Cash toward the purchase price.
Closing costs + prepaids$19,476Not just lender fees.
Before credits & paid funds$350,843The complete starting cash picture.
Estimated remaining funds due at closing
$350,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,367.74
Your down payment$331,367.74
Closing costs + prepaids$19,475.51
Total buyer cash needed$350,843.25
Remaining funds due$350,843.25
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,218.16
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$810.50
Initial HOA (3 months)$399.00
Prepaid interest, first (31 days)$2,079.85
Fees + prepaids$19,475.51
Your down payment is the seller’s equity. You take over the $443,632 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $350,843.25 is due at closing. Uses and sources reconcile at $794,475.51 each. Not a Closing Disclosure.