Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$243,487Cash toward the purchase price.
Closing costs + prepaids$21,733Not just lender fees.
Before credits & paid funds$265,219The complete starting cash picture.
Estimated remaining funds due at closing
$265,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,486.71
Your down payment$243,486.71
Closing costs + prepaids$21,732.50
Total buyer cash needed$265,219.21
Remaining funds due$265,219.21
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%)$3,157.57
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (28 days)$1,419.43
Fees + prepaids$21,732.50
Your down payment is the seller’s equity. You take over the $631,513 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $265,219.21 is due at closing. Uses and sources reconcile at $896,732.50 each. Not a Closing Disclosure.