Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$336,963Cash toward the purchase price.
Closing costs + prepaids$19,926Not just lender fees.
Before credits & paid funds$356,889The complete starting cash picture.
Estimated remaining funds due at closing
$356,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,962.59
Your down payment$336,962.59
Closing costs + prepaids$19,925.95
Total buyer cash needed$356,888.53
Remaining funds due$356,888.53
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%)$7,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,190.18
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,134.25
Initial HOA (3 months)$615.00
Prepaid interest, first (23 days)$1,018.52
Fees + prepaids$19,925.95
Your down payment is the seller’s equity. You take over the $438,036 balance, so the rest of the $774,999 price is paid at closing. A second mortgage can cover part of it. $356,888.53 is due at closing. Uses and sources reconcile at $794,924.95 each. Not a Closing Disclosure.