Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$547,151Cash toward the purchase price.
Closing costs + prepaids$17,652Not just lender fees.
Before credits & paid funds$564,803The complete starting cash picture.
Estimated remaining funds due at closing
$564,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,150.90
Your down payment$547,150.90
Closing costs + prepaids$17,652.11
Total buyer cash needed$564,803.00
Remaining funds due$564,803.00
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,164.25
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,950.00
Prepaid interest, first (29 days)$519.86
Fees + prepaids$17,652.11
Your down payment is the seller’s equity. You take over the $232,849 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $564,803.00 is due at closing. Uses and sources reconcile at $797,652.11 each. Not a Closing Disclosure.