Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$287,556Cash toward the purchase price.
Closing costs + prepaids$18,803Not just lender fees.
Before credits & paid funds$306,359The complete starting cash picture.
Estimated remaining funds due at closing
$306,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,556.34
Your down payment$287,556.34
Closing costs + prepaids$18,802.57
Total buyer cash needed$306,358.91
Remaining funds due$306,358.91
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%)$7,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,412.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,116.00
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$1,056.35
Fees + prepaids$18,802.57
Your down payment is the seller’s equity. You take over the $482,444 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $306,358.91 is due at closing. Uses and sources reconcile at $788,802.57 each. Not a Closing Disclosure.