Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$861,702Cash toward the purchase price.
Closing costs + prepaids$17,180Not just lender fees.
Before credits & paid funds$878,882The complete starting cash picture.
Estimated remaining funds due at closing
$878,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$861,702.22
Your down payment$861,702.22
Closing costs + prepaids$17,179.67
Total buyer cash needed$878,881.90
Remaining funds due$878,881.90
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%)$9,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$316.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,042.25
Initial HOA (3 months)$189.99
Prepaid interest, first (27 days)$162.94
Fees + prepaids$17,179.67
Your down payment is the seller’s equity. You take over the $63,298 balance, so the rest of the $925,000 price is paid at closing. A second mortgage can cover part of it. $878,881.90 is due at closing. Uses and sources reconcile at $942,179.67 each. Not a Closing Disclosure.