Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$428,141Cash toward the purchase price.
Closing costs + prepaids$18,406Not just lender fees.
Before credits & paid funds$446,547The complete starting cash picture.
Estimated remaining funds due at closing
$446,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$428,140.76
Your down payment$428,140.76
Closing costs + prepaids$18,406.12
Total buyer cash needed$446,546.88
Remaining funds due$446,546.88
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%)$1,734.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (24 days)$766.32
Fees + prepaids$18,406.12
Your down payment is the seller’s equity. You take over the $346,859 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $446,546.88 is due at closing. Uses and sources reconcile at $793,406.12 each. Not a Closing Disclosure.