Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$328,174Cash toward the purchase price.
Closing costs + prepaids$18,443Not just lender fees.
Before credits & paid funds$346,617The complete starting cash picture.
Estimated remaining funds due at closing
$346,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$328,174.29
Your down payment$328,174.29
Closing costs + prepaids$18,442.97
Total buyer cash needed$346,617.26
Remaining funds due$346,617.26
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%)$7,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,259.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$790.25
Initial HOA (3 months)$351.00
Prepaid interest, first (31 days)$1,024.59
Fees + prepaids$18,442.97
Your down payment is the seller’s equity. You take over the $451,826 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $346,617.26 is due at closing. Uses and sources reconcile at $798,442.97 each. Not a Closing Disclosure.