Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$296,279Cash toward the purchase price.
Closing costs + prepaids$19,168Not just lender fees.
Before credits & paid funds$315,447The complete starting cash picture.
Estimated remaining funds due at closing
$315,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,279.20
Your down payment$296,279.20
Closing costs + prepaids$19,167.65
Total buyer cash needed$315,446.84
Remaining funds due$315,446.84
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.60
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$814.50
Prepaid interest, first (23 days)$1,931.54
Fees + prepaids$19,167.65
Your down payment is the seller’s equity. You take over the $482,721 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $315,446.84 is due at closing. Uses and sources reconcile at $798,167.65 each. Not a Closing Disclosure.