Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$476,396Cash toward the purchase price.
Closing costs + prepaids$20,746Not just lender fees.
Before credits & paid funds$497,142The complete starting cash picture.
Estimated remaining funds due at closing
$497,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,396.35
Your down payment$476,396.35
Closing costs + prepaids$20,745.88
Total buyer cash needed$497,142.22
Remaining funds due$497,142.22
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%)$8,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,860.75
Prepaid interest, first (26 days)$1,864.11
Fees + prepaids$20,745.88
Your down payment is the seller’s equity. You take over the $402,604 balance, so the rest of the $879,000 price is paid at closing. A second mortgage can cover part of it. $497,142.22 is due at closing. Uses and sources reconcile at $899,745.88 each. Not a Closing Disclosure.