Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$180,016Cash toward the purchase price.
Closing costs + prepaids$21,239Not just lender fees.
Before credits & paid funds$201,255The complete starting cash picture.
Estimated remaining funds due at closing
$201,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,016.40
Your down payment$180,016.40
Closing costs + prepaids$21,238.89
Total buyer cash needed$201,255.29
Remaining funds due$201,255.29
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%)$3,474.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$820.25
Initial HOA (3 months)$269.49
Prepaid interest, first (29 days)$1,706.23
Fees + prepaids$21,238.89
Your down payment is the seller’s equity. You take over the $694,984 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $201,255.29 is due at closing. Uses and sources reconcile at $896,238.89 each. Not a Closing Disclosure.