Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$738,449Cash toward the purchase price.
Closing costs + prepaids$16,624Not just lender fees.
Before credits & paid funds$755,073The complete starting cash picture.
Estimated remaining funds due at closing
$755,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$738,448.76
Your down payment$738,448.76
Closing costs + prepaids$16,624.11
Total buyer cash needed$755,072.87
Remaining funds due$755,072.87
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%)$682.76
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$701.00
Prepaid interest, first (26 days)$272.35
Fees + prepaids$16,624.11
Your down payment is the seller’s equity. You take over the $136,551 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $755,072.87 is due at closing. Uses and sources reconcile at $891,624.11 each. Not a Closing Disclosure.