Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$378,844Cash toward the purchase price.
Closing costs + prepaids$18,922Not just lender fees.
Before credits & paid funds$397,765The complete starting cash picture.
Estimated remaining funds due at closing
$397,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,843.74
Your down payment$378,843.74
Closing costs + prepaids$18,921.72
Total buyer cash needed$397,765.46
Remaining funds due$397,765.46
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,005.78
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 (23 days)$947.94
Fees + prepaids$18,921.72
Your down payment is the seller’s equity. You take over the $401,156 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $397,765.46 is due at closing. Uses and sources reconcile at $798,921.72 each. Not a Closing Disclosure.