Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$606,137Cash toward the purchase price.
Closing costs + prepaids$18,974Not just lender fees.
Before credits & paid funds$625,111The complete starting cash picture.
Estimated remaining funds due at closing
$625,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$606,136.66
Your down payment$606,136.66
Closing costs + prepaids$18,974.31
Total buyer cash needed$625,110.97
Remaining funds due$625,110.97
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%)$8,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,319.32
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,175.00
Prepaid interest, first (26 days)$561.99
Fees + prepaids$18,974.31
Your down payment is the seller’s equity. You take over the $263,863 balance, so the rest of the $870,000 price is paid at closing. A second mortgage can cover part of it. $625,110.97 is due at closing. Uses and sources reconcile at $888,974.31 each. Not a Closing Disclosure.