Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$456,346Cash toward the purchase price.
Closing costs + prepaids$17,825Not just lender fees.
Before credits & paid funds$474,172The complete starting cash picture.
Estimated remaining funds due at closing
$474,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,346.34
Your down payment$456,346.34
Closing costs + prepaids$17,825.23
Total buyer cash needed$474,171.57
Remaining funds due$474,171.57
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%)$1,593.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,032.50
Initial HOA (3 months)$198.99
Prepaid interest, first (1 days)$32.48
Fees + prepaids$17,825.23
Your down payment is the seller’s equity. You take over the $318,654 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $474,171.57 is due at closing. Uses and sources reconcile at $792,825.23 each. Not a Closing Disclosure.