Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$370,197Cash toward the purchase price.
Closing costs + prepaids$20,446Not just lender fees.
Before credits & paid funds$390,642The complete starting cash picture.
Estimated remaining funds due at closing
$390,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,196.76
Your down payment$370,196.76
Closing costs + prepaids$20,445.70
Total buyer cash needed$390,642.46
Remaining funds due$390,642.46
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%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,508.00
Initial HOA (3 months)$500.01
Prepaid interest, first (26 days)$1,447.17
Fees + prepaids$20,445.70
Your down payment is the seller’s equity. You take over the $404,703 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $390,642.46 is due at closing. Uses and sources reconcile at $795,345.70 each. Not a Closing Disclosure.