Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$422,247Cash toward the purchase price.
Closing costs + prepaids$19,353Not just lender fees.
Before credits & paid funds$441,600The complete starting cash picture.
Estimated remaining funds due at closing
$441,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,247.48
Your down payment$422,247.48
Closing costs + prepaids$19,353.01
Total buyer cash needed$441,600.49
Remaining funds due$441,600.49
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,947.50
Initial HOA (3 months)$954.00
Prepaid interest, first (27 days)$659.75
Fees + prepaids$19,353.01
Your down payment is the seller’s equity. You take over the $356,753 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $441,600.49 is due at closing. Uses and sources reconcile at $798,353.01 each. Not a Closing Disclosure.