Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$434,711Cash toward the purchase price.
Closing costs + prepaids$18,895Not just lender fees.
Before credits & paid funds$453,606The complete starting cash picture.
Estimated remaining funds due at closing
$453,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$434,711.33
Your down payment$434,711.33
Closing costs + prepaids$18,895.15
Total buyer cash needed$453,606.48
Remaining funds due$453,606.48
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%)$1,700.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,544.50
Prepaid interest, first (25 days)$682.71
Fees + prepaids$18,895.15
Your down payment is the seller’s equity. You take over the $340,189 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $453,606.48 is due at closing. Uses and sources reconcile at $793,795.15 each. Not a Closing Disclosure.