Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$432,915Cash toward the purchase price.
Closing costs + prepaids$17,066Not just lender fees.
Before credits & paid funds$449,981The complete starting cash picture.
Estimated remaining funds due at closing
$449,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$432,915.33
Your down payment$432,915.33
Closing costs + prepaids$17,066.16
Total buyer cash needed$449,981.49
Remaining funds due$449,981.49
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%)$1,710.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$930.00
Prepaid interest, first (12 days)$457.74
Fees + prepaids$17,066.16
Your down payment is the seller’s equity. You take over the $342,085 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $449,981.49 is due at closing. Uses and sources reconcile at $792,066.16 each. Not a Closing Disclosure.