Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$313,821Cash toward the purchase price.
Closing costs + prepaids$19,350Not just lender fees.
Before credits & paid funds$333,172The complete starting cash picture.
Estimated remaining funds due at closing
$333,172No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,821.34
Your down payment$313,821.34
Closing costs + prepaids$19,350.41
Total buyer cash needed$333,171.76
Remaining funds due$333,171.76
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%)$2,305.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Initial HOA (3 months)$108.00
Prepaid interest, first (30 days)$1,031.02
Fees + prepaids$19,350.41
Your down payment is the seller’s equity. You take over the $461,179 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $333,171.76 is due at closing. Uses and sources reconcile at $794,350.41 each. Not a Closing Disclosure.