Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$408,024Cash toward the purchase price.
Closing costs + prepaids$17,228Not just lender fees.
Before credits & paid funds$425,252The complete starting cash picture.
Estimated remaining funds due at closing
$425,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,024.09
Your down payment$408,024.09
Closing costs + prepaids$17,228.33
Total buyer cash needed$425,252.42
Remaining funds due$425,252.42
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%)$7,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,884.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$598.75
Prepaid interest, first (24 days)$676.70
Fees + prepaids$17,228.33
Your down payment is the seller’s equity. You take over the $376,976 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $425,252.42 is due at closing. Uses and sources reconcile at $802,228.33 each. Not a Closing Disclosure.