Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$325,944Cash toward the purchase price.
Closing costs + prepaids$17,680Not just lender fees.
Before credits & paid funds$343,624The complete starting cash picture.
Estimated remaining funds due at closing
$343,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,944.45
Your down payment$325,944.45
Closing costs + prepaids$17,680.04
Total buyer cash needed$343,624.49
Remaining funds due$343,624.49
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,195.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$598.00
Initial HOA (3 months)$186.00
Prepaid interest, first (23 days)$832.76
Fees + prepaids$17,680.04
Your down payment is the seller’s equity. You take over the $439,056 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $343,624.49 is due at closing. Uses and sources reconcile at $782,680.04 each. Not a Closing Disclosure.