Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$556,794Cash toward the purchase price.
Closing costs + prepaids$17,504Not just lender fees.
Before credits & paid funds$574,298The complete starting cash picture.
Estimated remaining funds due at closing
$574,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556,794.46
Your down payment$556,794.46
Closing costs + prepaids$17,503.58
Total buyer cash needed$574,298.04
Remaining funds due$574,298.04
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%)$1,591.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$312.50
Prepaid interest, first (25 days)$632.05
Fees + prepaids$17,503.58
Your down payment is the seller’s equity. You take over the $318,206 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $574,298.04 is due at closing. Uses and sources reconcile at $892,503.58 each. Not a Closing Disclosure.