Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$304,186Cash toward the purchase price.
Closing costs + prepaids$18,368Not just lender fees.
Before credits & paid funds$322,555The complete starting cash picture.
Estimated remaining funds due at closing
$322,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,186.36
Your down payment$304,186.36
Closing costs + prepaids$18,368.38
Total buyer cash needed$322,554.73
Remaining funds due$322,554.73
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%)$2,354.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$982.25
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$939.05
Fees + prepaids$18,368.38
Your down payment is the seller’s equity. You take over the $470,814 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $322,554.73 is due at closing. Uses and sources reconcile at $793,368.38 each. Not a Closing Disclosure.