Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$393,602Cash toward the purchase price.
Closing costs + prepaids$20,579Not just lender fees.
Before credits & paid funds$414,181The complete starting cash picture.
Estimated remaining funds due at closing
$414,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,602.39
Your down payment$393,602.39
Closing costs + prepaids$20,578.70
Total buyer cash needed$414,181.09
Remaining funds due$414,181.09
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%)$2,406.99
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (23 days)$1,016.21
Fees + prepaids$20,578.70
Your down payment is the seller’s equity. You take over the $481,398 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $414,181.09 is due at closing. Uses and sources reconcile at $895,578.70 each. Not a Closing Disclosure.