Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$511,342Cash toward the purchase price.
Closing costs + prepaids$19,559Not just lender fees.
Before credits & paid funds$530,901The complete starting cash picture.
Estimated remaining funds due at closing
$530,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$511,342.10
Your down payment$511,342.10
Closing costs + prepaids$19,559.12
Total buyer cash needed$530,901.22
Remaining funds due$530,901.22
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%)$1,318.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Initial HOA (3 months)$1,602.00
Prepaid interest, first (27 days)$733.33
Fees + prepaids$19,559.12
Your down payment is the seller’s equity. You take over the $263,658 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $530,901.22 is due at closing. Uses and sources reconcile at $794,559.12 each. Not a Closing Disclosure.