Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$391,835Cash toward the purchase price.
Closing costs + prepaids$18,376Not just lender fees.
Before credits & paid funds$410,211The complete starting cash picture.
Estimated remaining funds due at closing
$410,211No 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$18,376.44
Total buyer cash needed$410,211.47
Remaining funds due$410,211.47
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)$1,119.50
Initial HOA (3 months)$438.00
Prepaid interest, first (27 days)$942.61
Fees + prepaids$18,376.44
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. $410,211.47 is due at closing. Uses and sources reconcile at $792,876.44 each. Not a Closing Disclosure.