Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$348,650Cash toward the purchase price.
Closing costs + prepaids$21,112Not just lender fees.
Before credits & paid funds$369,762The complete starting cash picture.
Estimated remaining funds due at closing
$369,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$348,649.74
Your down payment$348,649.74
Closing costs + prepaids$21,111.87
Total buyer cash needed$369,761.61
Remaining funds due$369,761.61
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,181.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,298.25
Initial HOA (3 months)$615.00
Prepaid interest, first (26 days)$1,948.87
Fees + prepaids$21,111.87
Your down payment is the seller’s equity. You take over the $436,350 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $369,761.61 is due at closing. Uses and sources reconcile at $806,111.87 each. Not a Closing Disclosure.