Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$282,995Cash toward the purchase price.
Closing costs + prepaids$24,073Not just lender fees.
Before credits & paid funds$307,069The complete starting cash picture.
Estimated remaining funds due at closing
$307,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,995.47
Your down payment$282,995.47
Closing costs + prepaids$24,073.30
Total buyer cash needed$307,068.76
Remaining funds due$307,068.76
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%)$7,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,470.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$6,753.00
Prepaid interest, first (23 days)$862.27
Fees + prepaids$24,073.30
Your down payment is the seller’s equity. You take over the $494,005 balance, so the rest of the $777,000 price is paid at closing. A second mortgage can cover part of it. $307,068.76 is due at closing. Uses and sources reconcile at $801,073.30 each. Not a Closing Disclosure.