Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$403,107Cash toward the purchase price.
Closing costs + prepaids$18,993Not just lender fees.
Before credits & paid funds$422,101The complete starting cash picture.
Estimated remaining funds due at closing
$422,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,107.41
Your down payment$403,107.41
Closing costs + prepaids$18,993.19
Total buyer cash needed$422,100.60
Remaining funds due$422,100.60
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%)$1,859.46
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$773.50
Initial HOA (3 months)$440.25
Prepaid interest, first (31 days)$1,951.98
Fees + prepaids$18,993.19
Your down payment is the seller’s equity. You take over the $371,893 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $422,100.60 is due at closing. Uses and sources reconcile at $793,993.19 each. Not a Closing Disclosure.