Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$374,065Cash toward the purchase price.
Closing costs + prepaids$19,383Not just lender fees.
Before credits & paid funds$393,448The complete starting cash picture.
Estimated remaining funds due at closing
$393,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,064.73
Your down payment$374,064.73
Closing costs + prepaids$19,382.79
Total buyer cash needed$393,447.52
Remaining funds due$393,447.52
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%)$8,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,529.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$808.00
Prepaid interest, first (26 days)$1,027.12
Fees + prepaids$19,382.79
Your down payment is the seller’s equity. You take over the $505,935 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $393,447.52 is due at closing. Uses and sources reconcile at $899,382.79 each. Not a Closing Disclosure.