Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$354,230Cash toward the purchase price.
Closing costs + prepaids$21,038Not just lender fees.
Before credits & paid funds$375,268The complete starting cash picture.
Estimated remaining funds due at closing
$375,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$354,229.55
Your down payment$354,229.55
Closing costs + prepaids$21,038.04
Total buyer cash needed$375,267.59
Remaining funds due$375,267.59
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%)$7,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,098.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,935.00
Initial HOA (3 months)$885.00
Prepaid interest, first (27 days)$2,161.19
Fees + prepaids$21,038.04
Your down payment is the seller’s equity. You take over the $419,770 balance, so the rest of the $774,000 price is paid at closing. A second mortgage can cover part of it. $375,267.59 is due at closing. Uses and sources reconcile at $795,038.04 each. Not a Closing Disclosure.