Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$468,801Cash toward the purchase price.
Closing costs + prepaids$19,860Not just lender fees.
Before credits & paid funds$488,661The complete starting cash picture.
Estimated remaining funds due at closing
$488,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$468,800.85
Your down payment$468,800.85
Closing costs + prepaids$19,860.36
Total buyer cash needed$488,661.20
Remaining funds due$488,661.20
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%)$1,531.00
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)$1,767.00
Prepaid interest, first (27 days)$656.86
Fees + prepaids$19,860.36
Your down payment is the seller’s equity. You take over the $306,199 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $488,661.20 is due at closing. Uses and sources reconcile at $794,860.36 each. Not a Closing Disclosure.