Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$500,062Cash toward the purchase price.
Closing costs + prepaids$17,919Not just lender fees.
Before credits & paid funds$517,981The complete starting cash picture.
Estimated remaining funds due at closing
$517,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$500,061.67
Your down payment$500,061.67
Closing costs + prepaids$17,918.95
Total buyer cash needed$517,980.61
Remaining funds due$517,980.61
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,374.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,638.00
Initial HOA (3 months)$159.99
Prepaid interest, first (28 days)$778.26
Fees + prepaids$17,918.95
Your down payment is the seller’s equity. You take over the $274,938 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $517,980.61 is due at closing. Uses and sources reconcile at $792,918.95 each. Not a Closing Disclosure.