Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$348,073Cash toward the purchase price.
Closing costs + prepaids$18,083Not just lender fees.
Before credits & paid funds$366,156The complete starting cash picture.
Estimated remaining funds due at closing
$366,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,072.59
Your down payment$348,072.59
Closing costs + prepaids$18,083.17
Total buyer cash needed$366,155.76
Remaining funds due$366,155.76
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%)$2,109.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$754.25
Initial HOA (3 months)$495.00
Prepaid interest, first (31 days)$806.29
Fees + prepaids$18,083.17
Your down payment is the seller’s equity. You take over the $421,927 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $366,155.76 is due at closing. Uses and sources reconcile at $788,083.17 each. Not a Closing Disclosure.