Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$384,819Cash toward the purchase price.
Closing costs + prepaids$19,733Not just lender fees.
Before credits & paid funds$404,552The complete starting cash picture.
Estimated remaining funds due at closing
$404,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,819.13
Your down payment$384,819.13
Closing costs + prepaids$19,732.57
Total buyer cash needed$404,551.70
Remaining funds due$404,551.70
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%)$7,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,975.40
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,949.75
Initial HOA (3 months)$750.00
Prepaid interest, first (27 days)$1,040.42
Fees + prepaids$19,732.57
Your down payment is the seller’s equity. You take over the $395,081 balance, so the rest of the $779,900 price is paid at closing. A second mortgage can cover part of it. $404,551.70 is due at closing. Uses and sources reconcile at $799,632.57 each. Not a Closing Disclosure.