Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$590,393Cash toward the purchase price.
Closing costs + prepaids$19,259Not just lender fees.
Before credits & paid funds$609,651The complete starting cash picture.
Estimated remaining funds due at closing
$609,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$590,392.83
Your down payment$590,392.83
Closing costs + prepaids$19,258.55
Total buyer cash needed$609,651.38
Remaining funds due$609,651.38
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%)$1,423.04
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 (27 days)$680.02
Fees + prepaids$19,258.55
Your down payment is the seller’s equity. You take over the $284,607 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $609,651.38 is due at closing. Uses and sources reconcile at $894,258.55 each. Not a Closing Disclosure.