Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$371,953Cash toward the purchase price.
Closing costs + prepaids$17,123Not just lender fees.
Before credits & paid funds$389,077The complete starting cash picture.
Estimated remaining funds due at closing
$389,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,953.49
Your down payment$371,953.49
Closing costs + prepaids$17,123.39
Total buyer cash needed$389,076.87
Remaining funds due$389,076.87
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%)$7,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,965.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$918.00
Prepaid interest, first (12 days)$372.16
Fees + prepaids$17,123.39
Your down payment is the seller’s equity. You take over the $393,047 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $389,076.87 is due at closing. Uses and sources reconcile at $782,123.39 each. Not a Closing Disclosure.