Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$407,786Cash toward the purchase price.
Closing costs + prepaids$19,549Not just lender fees.
Before credits & paid funds$427,336The complete starting cash picture.
Estimated remaining funds due at closing
$427,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$407,786.37
Your down payment$407,786.37
Closing costs + prepaids$19,549.16
Total buyer cash needed$427,335.53
Remaining funds due$427,335.53
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%)$2,336.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,131.25
Initial HOA (3 months)$77.01
Prepaid interest, first (25 days)$1,036.83
Fees + prepaids$19,549.16
Your down payment is the seller’s equity. You take over the $467,214 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $427,335.53 is due at closing. Uses and sources reconcile at $894,549.16 each. Not a Closing Disclosure.