Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$399,774Cash toward the purchase price.
Closing costs + prepaids$17,775Not just lender fees.
Before credits & paid funds$417,549The complete starting cash picture.
Estimated remaining funds due at closing
$417,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,773.93
Your down payment$399,773.93
Closing costs + prepaids$17,775.24
Total buyer cash needed$417,549.17
Remaining funds due$417,549.17
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%)$1,876.13
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 (28 days)$826.11
Fees + prepaids$17,775.24
Your down payment is the seller’s equity. You take over the $375,226 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $417,549.17 is due at closing. Uses and sources reconcile at $792,775.24 each. Not a Closing Disclosure.