Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$376,376Cash toward the purchase price.
Closing costs + prepaids$17,222Not just lender fees.
Before credits & paid funds$393,598The complete starting cash picture.
Estimated remaining funds due at closing
$393,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,376.18
Your down payment$376,376.18
Closing costs + prepaids$17,221.98
Total buyer cash needed$393,598.16
Remaining funds due$393,598.16
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%)$1,993.12
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$930.00
Initial HOA (3 months)$8.25
Prepaid interest, first (7 days)$322.61
Fees + prepaids$17,221.98
Your down payment is the seller’s equity. You take over the $398,624 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $393,598.16 is due at closing. Uses and sources reconcile at $792,221.98 each. Not a Closing Disclosure.