Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$287,724Cash toward the purchase price.
Closing costs + prepaids$19,100Not just lender fees.
Before credits & paid funds$306,823The complete starting cash picture.
Estimated remaining funds due at closing
$306,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,723.59
Your down payment$287,723.59
Closing costs + prepaids$19,099.58
Total buyer cash needed$306,823.16
Remaining funds due$306,823.16
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%)$7,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,421.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,930.00
Initial HOA (3 months)$120.00
Prepaid interest, first (18 days)$690.19
Fees + prepaids$19,099.58
Your down payment is the seller’s equity. You take over the $484,276 balance, so the rest of the $772,000 price is paid at closing. A second mortgage can cover part of it. $306,823.16 is due at closing. Uses and sources reconcile at $791,099.58 each. Not a Closing Disclosure.