Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$363,621Cash toward the purchase price.
Closing costs + prepaids$19,163Not just lender fees.
Before credits & paid funds$382,784The complete starting cash picture.
Estimated remaining funds due at closing
$382,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,620.86
Your down payment$363,620.86
Closing costs + prepaids$19,163.01
Total buyer cash needed$382,783.87
Remaining funds due$382,783.87
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%)$2,031.90
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,925.00
Initial HOA (3 months)$411.00
Prepaid interest, first (26 days)$877.11
Fees + prepaids$19,163.01
Your down payment is the seller’s equity. You take over the $406,379 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $382,783.87 is due at closing. Uses and sources reconcile at $789,163.01 each. Not a Closing Disclosure.