Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$477,799Cash toward the purchase price.
Closing costs + prepaids$18,235Not just lender fees.
Before credits & paid funds$496,033The complete starting cash picture.
Estimated remaining funds due at closing
$496,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,798.83
Your down payment$477,798.83
Closing costs + prepaids$18,234.59
Total buyer cash needed$496,033.42
Remaining funds due$496,033.42
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%)$1,486.01
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,734.50
Prepaid interest, first (2 days)$46.09
Fees + prepaids$18,234.59
Your down payment is the seller’s equity. You take over the $297,201 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $496,033.42 is due at closing. Uses and sources reconcile at $793,234.59 each. Not a Closing Disclosure.