Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$326,226Cash toward the purchase price.
Closing costs + prepaids$19,822Not just lender fees.
Before credits & paid funds$346,048The complete starting cash picture.
Estimated remaining funds due at closing
$346,048No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,225.78
Your down payment$326,225.78
Closing costs + prepaids$19,822.15
Total buyer cash needed$346,047.93
Remaining funds due$346,047.93
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%)$7,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,268.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,950.00
Initial HOA (3 months)$585.00
Prepaid interest, first (27 days)$1,000.29
Fees + prepaids$19,822.15
Your down payment is the seller’s equity. You take over the $453,773 balance, so the rest of the $779,999 price is paid at closing. A second mortgage can cover part of it. $346,047.93 is due at closing. Uses and sources reconcile at $799,821.15 each. Not a Closing Disclosure.