Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$435,241Cash toward the purchase price.
Closing costs + prepaids$20,209Not just lender fees.
Before credits & paid funds$455,449The complete starting cash picture.
Estimated remaining funds due at closing
$455,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,240.71
Your down payment$435,240.71
Closing costs + prepaids$20,208.78
Total buyer cash needed$455,449.49
Remaining funds due$455,449.49
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,198.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,144.75
Initial HOA (3 months)$870.00
Prepaid interest, first (29 days)$1,027.23
Fees + prepaids$20,208.78
Your down payment is the seller’s equity. You take over the $439,759 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $455,449.49 is due at closing. Uses and sources reconcile at $895,208.78 each. Not a Closing Disclosure.