Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$356,925Cash toward the purchase price.
Closing costs + prepaids$18,912Not just lender fees.
Before credits & paid funds$375,837The complete starting cash picture.
Estimated remaining funds due at closing
$375,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,924.94
Your down payment$356,924.94
Closing costs + prepaids$18,912.35
Total buyer cash needed$375,837.29
Remaining funds due$375,837.29
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%)$7,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,950.00
Prepaid interest, first (24 days)$828.99
Fees + prepaids$18,912.35
Your down payment is the seller’s equity. You take over the $423,074 balance, so the rest of the $779,999 price is paid at closing. A second mortgage can cover part of it. $375,837.29 is due at closing. Uses and sources reconcile at $798,911.35 each. Not a Closing Disclosure.