Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$465,339Cash toward the purchase price.
Closing costs + prepaids$20,128Not just lender fees.
Before credits & paid funds$485,467The complete starting cash picture.
Estimated remaining funds due at closing
$485,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$465,339.25
Your down payment$465,339.25
Closing costs + prepaids$20,128.18
Total buyer cash needed$485,467.43
Remaining funds due$485,467.43
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%)$2,048.30
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 (29 days)$924.37
Fees + prepaids$20,128.18
Your down payment is the seller’s equity. You take over the $409,661 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $485,467.43 is due at closing. Uses and sources reconcile at $895,128.18 each. Not a Closing Disclosure.