Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$336,963Cash toward the purchase price.
Closing costs + prepaids$20,280Not just lender fees.
Before credits & paid funds$357,243The complete starting cash picture.
Estimated remaining funds due at closing
$357,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,962.59
Your down payment$336,962.59
Closing costs + prepaids$20,280.22
Total buyer cash needed$357,242.80
Remaining funds due$357,242.80
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%)$7,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,190.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,134.25
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$1,372.79
Fees + prepaids$20,280.22
Your down payment is the seller’s equity. You take over the $438,036 balance, so the rest of the $774,999 price is paid at closing. A second mortgage can cover part of it. $357,242.80 is due at closing. Uses and sources reconcile at $795,279.22 each. Not a Closing Disclosure.