Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$499,667Cash toward the purchase price.
Closing costs + prepaids$19,987Not just lender fees.
Before credits & paid funds$519,654The complete starting cash picture.
Estimated remaining funds due at closing
$519,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,666.92
Your down payment$499,666.92
Closing costs + prepaids$19,986.70
Total buyer cash needed$519,653.62
Remaining funds due$519,653.62
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%)$8,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,926.67
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,212.50
Prepaid interest, first (26 days)$779.53
Fees + prepaids$19,986.70
Your down payment is the seller’s equity. You take over the $385,333 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $519,653.62 is due at closing. Uses and sources reconcile at $904,986.70 each. Not a Closing Disclosure.