Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$826,301Cash toward the purchase price.
Closing costs + prepaids$17,963Not just lender fees.
Before credits & paid funds$844,264The complete starting cash picture.
Estimated remaining funds due at closing
$844,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$826,301.22
Your down payment$826,301.22
Closing costs + prepaids$17,962.95
Total buyer cash needed$844,264.17
Remaining funds due$844,264.17
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%)$243.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,641.25
Prepaid interest, first (28 days)$110.21
Fees + prepaids$17,962.95
Your down payment is the seller’s equity. You take over the $48,699 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $844,264.17 is due at closing. Uses and sources reconcile at $892,962.95 each. Not a Closing Disclosure.