Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$684,408Cash toward the purchase price.
Closing costs + prepaids$17,807Not just lender fees.
Before credits & paid funds$702,216The complete starting cash picture.
Estimated remaining funds due at closing
$702,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$684,408.12
Your down payment$684,408.12
Closing costs + prepaids$17,807.50
Total buyer cash needed$702,215.61
Remaining funds due$702,215.61
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%)$952.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,367.50
Prepaid interest, first (28 days)$519.04
Fees + prepaids$17,807.50
Your down payment is the seller’s equity. You take over the $190,592 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $702,215.61 is due at closing. Uses and sources reconcile at $892,807.50 each. Not a Closing Disclosure.