Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$391,835Cash toward the purchase price.
Closing costs + prepaids$17,593Not just lender fees.
Before credits & paid funds$409,428The complete starting cash picture.
Estimated remaining funds due at closing
$409,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,835.03
Your down payment$391,835.03
Closing costs + prepaids$17,592.94
Total buyer cash needed$409,427.97
Remaining funds due$409,427.97
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%)$7,745.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,913.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$929.50
Initial HOA (3 months)$438.00
Prepaid interest, first (10 days)$349.12
Fees + prepaids$17,592.94
Your down payment is the seller’s equity. You take over the $382,665 balance, so the rest of the $774,500 price is paid at closing. A second mortgage can cover part of it. $409,427.97 is due at closing. Uses and sources reconcile at $792,092.94 each. Not a Closing Disclosure.