Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$403,055Cash toward the purchase price.
Closing costs + prepaids$20,380Not just lender fees.
Before credits & paid funds$423,435The complete starting cash picture.
Estimated remaining funds due at closing
$423,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,055.39
Your down payment$403,055.39
Closing costs + prepaids$20,379.61
Total buyer cash needed$423,435.01
Remaining funds due$423,435.01
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%)$2,359.72
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,565.75
Initial HOA (3 months)$249.00
Prepaid interest, first (26 days)$1,237.14
Fees + prepaids$20,379.61
Your down payment is the seller’s equity. You take over the $471,945 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $423,435.01 is due at closing. Uses and sources reconcile at $895,379.61 each. Not a Closing Disclosure.