Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$324,481Cash toward the purchase price.
Closing costs + prepaids$17,166Not just lender fees.
Before credits & paid funds$341,648The complete starting cash picture.
Estimated remaining funds due at closing
$341,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,481.46
Your down payment$324,481.46
Closing costs + prepaids$17,166.06
Total buyer cash needed$341,647.52
Remaining funds due$341,647.52
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,302.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$758.25
Prepaid interest, first (1 days)$37.22
Fees + prepaids$17,166.06
Your down payment is the seller’s equity. You take over the $460,519 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $341,647.52 is due at closing. Uses and sources reconcile at $802,166.06 each. Not a Closing Disclosure.