Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$176,359Cash toward the purchase price.
Closing costs + prepaids$19,214Not just lender fees.
Before credits & paid funds$195,573The complete starting cash picture.
Estimated remaining funds due at closing
$195,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,359.20
Your down payment$176,359.20
Closing costs + prepaids$19,213.50
Total buyer cash needed$195,572.70
Remaining funds due$195,572.70
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%)$3,493.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$570.75
Initial HOA (3 months)$62.49
Prepaid interest, first (1 days)$119.06
Fees + prepaids$19,213.50
Your down payment is the seller’s equity. You take over the $698,641 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $195,572.70 is due at closing. Uses and sources reconcile at $894,213.50 each. Not a Closing Disclosure.