Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$367,258Cash toward the purchase price.
Closing costs + prepaids$18,676Not just lender fees.
Before credits & paid funds$385,934The complete starting cash picture.
Estimated remaining funds due at closing
$385,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,258.48
Your down payment$367,258.48
Closing costs + prepaids$18,676.01
Total buyer cash needed$385,934.49
Remaining funds due$385,934.49
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%)$2,038.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$764.75
Initial HOA (3 months)$993.00
Prepaid interest, first (30 days)$911.55
Fees + prepaids$18,676.01
Your down payment is the seller’s equity. You take over the $407,742 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $385,934.49 is due at closing. Uses and sources reconcile at $793,676.01 each. Not a Closing Disclosure.