Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$429,650Cash toward the purchase price.
Closing costs + prepaids$17,251Not just lender fees.
Before credits & paid funds$446,902The complete starting cash picture.
Estimated remaining funds due at closing
$446,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,650.14
Your down payment$429,650.14
Closing costs + prepaids$17,251.39
Total buyer cash needed$446,901.53
Remaining funds due$446,901.53
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%)$1,726.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$676.00
Initial HOA (3 months)$21.24
Prepaid interest, first (31 days)$859.40
Fees + prepaids$17,251.39
Your down payment is the seller’s equity. You take over the $345,350 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $446,901.53 is due at closing. Uses and sources reconcile at $792,251.39 each. Not a Closing Disclosure.