Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$436,381Cash toward the purchase price.
Closing costs + prepaids$18,336Not just lender fees.
Before credits & paid funds$454,717The complete starting cash picture.
Estimated remaining funds due at closing
$454,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$436,381.19
Your down payment$436,381.19
Closing costs + prepaids$18,336.13
Total buyer cash needed$454,717.32
Remaining funds due$454,717.32
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%)$7,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,693.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,937.50
Prepaid interest, first (25 days)$737.54
Fees + prepaids$18,336.13
Your down payment is the seller’s equity. You take over the $338,619 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $454,717.32 is due at closing. Uses and sources reconcile at $793,336.13 each. Not a Closing Disclosure.