Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$398,911Cash toward the purchase price.
Closing costs + prepaids$16,983Not just lender fees.
Before credits & paid funds$415,894The complete starting cash picture.
Estimated remaining funds due at closing
$415,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,911.25
Your down payment$398,911.25
Closing costs + prepaids$16,983.02
Total buyer cash needed$415,894.27
Remaining funds due$415,894.27
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%)$1,880.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,105.00
Prepaid interest, first (1 days)$29.57
Fees + prepaids$16,983.02
Your down payment is the seller’s equity. You take over the $376,089 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $415,894.27 is due at closing. Uses and sources reconcile at $791,983.02 each. Not a Closing Disclosure.