Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$303,949Cash toward the purchase price.
Closing costs + prepaids$17,774Not just lender fees.
Before credits & paid funds$321,723The complete starting cash picture.
Estimated remaining funds due at closing
$321,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,949.22
Your down payment$303,949.22
Closing costs + prepaids$17,774.13
Total buyer cash needed$321,723.36
Remaining funds due$321,723.36
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%)$2,355.25
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)$7.50
Prepaid interest, first (6 days)$513.38
Fees + prepaids$17,774.13
Your down payment is the seller’s equity. You take over the $471,051 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $321,723.36 is due at closing. Uses and sources reconcile at $792,774.13 each. Not a Closing Disclosure.