Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$345,977Cash toward the purchase price.
Closing costs + prepaids$18,210Not just lender fees.
Before credits & paid funds$364,187The complete starting cash picture.
Estimated remaining funds due at closing
$364,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$345,977.08
Your down payment$345,977.08
Closing costs + prepaids$18,210.05
Total buyer cash needed$364,187.13
Remaining funds due$364,187.13
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,095.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,447.00
Prepaid interest, first (26 days)$799.93
Fees + prepaids$18,210.05
Your down payment is the seller’s equity. You take over the $419,023 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $364,187.13 is due at closing. Uses and sources reconcile at $783,210.05 each. Not a Closing Disclosure.