Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$355,626Cash toward the purchase price.
Closing costs + prepaids$18,042Not just lender fees.
Before credits & paid funds$373,668The complete starting cash picture.
Estimated remaining funds due at closing
$373,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,626.41
Your down payment$355,626.41
Closing costs + prepaids$18,041.68
Total buyer cash needed$373,668.10
Remaining funds due$373,668.10
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%)$2,096.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$402.50
Prepaid interest, first (31 days)$1,574.32
Fees + prepaids$18,041.68
Your down payment is the seller’s equity. You take over the $419,374 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $373,668.10 is due at closing. Uses and sources reconcile at $793,041.68 each. Not a Closing Disclosure.