Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$371,872Cash toward the purchase price.
Closing costs + prepaids$17,293Not just lender fees.
Before credits & paid funds$389,165The complete starting cash picture.
Estimated remaining funds due at closing
$389,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,871.89
Your down payment$371,871.89
Closing costs + prepaids$17,293.13
Total buyer cash needed$389,165.02
Remaining funds due$389,165.02
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%)$7,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,990.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$499.75
Prepaid interest, first (27 days)$886.24
Fees + prepaids$17,293.13
Your down payment is the seller’s equity. You take over the $398,028 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $389,165.02 is due at closing. Uses and sources reconcile at $787,193.13 each. Not a Closing Disclosure.