Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,451Cash toward the purchase price.
Closing costs + prepaids$17,791Not just lender fees.
Before credits & paid funds$304,241The complete starting cash picture.
Estimated remaining funds due at closing
$304,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,450.51
Your down payment$286,450.51
Closing costs + prepaids$17,790.96
Total buyer cash needed$304,241.47
Remaining funds due$304,241.47
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,417.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,116.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$39.21
Fees + prepaids$17,790.96
Your down payment is the seller’s equity. You take over the $483,549 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $304,241.47 is due at closing. Uses and sources reconcile at $787,790.96 each. Not a Closing Disclosure.