Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,328Cash toward the purchase price.
Closing costs + prepaids$19,306Not just lender fees.
Before credits & paid funds$310,634The complete starting cash picture.
Estimated remaining funds due at closing
$310,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,327.83
Your down payment$291,327.83
Closing costs + prepaids$19,305.99
Total buyer cash needed$310,633.82
Remaining funds due$310,633.82
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%)$2,418.36
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$998.50
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$1,261.13
Fees + prepaids$19,305.99
Your down payment is the seller’s equity. You take over the $483,672 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $310,633.82 is due at closing. Uses and sources reconcile at $794,305.99 each. Not a Closing Disclosure.