Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$327,086Cash toward the purchase price.
Closing costs + prepaids$17,457Not just lender fees.
Before credits & paid funds$344,543The complete starting cash picture.
Estimated remaining funds due at closing
$344,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,086.48
Your down payment$327,086.48
Closing costs + prepaids$17,456.95
Total buyer cash needed$344,543.43
Remaining funds due$344,543.43
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%)$2,264.57
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 (1 days)$33.13
Fees + prepaids$17,456.95
Your down payment is the seller’s equity. You take over the $452,914 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $344,543.43 is due at closing. Uses and sources reconcile at $797,456.95 each. Not a Closing Disclosure.