Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$392,025Cash toward the purchase price.
Closing costs + prepaids$16,780Not just lender fees.
Before credits & paid funds$408,805The complete starting cash picture.
Estimated remaining funds due at closing
$408,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,025.23
Your down payment$392,025.23
Closing costs + prepaids$16,780.21
Total buyer cash needed$408,805.44
Remaining funds due$408,805.44
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%)$1,939.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$788.00
Prepaid interest, first (1 days)$34.33
Fees + prepaids$16,780.21
Your down payment is the seller’s equity. You take over the $387,975 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $408,805.44 is due at closing. Uses and sources reconcile at $796,780.21 each. Not a Closing Disclosure.