Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$600,211Cash toward the purchase price.
Closing costs + prepaids$19,559Not just lender fees.
Before credits & paid funds$619,770The complete starting cash picture.
Estimated remaining funds due at closing
$619,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$600,210.75
Your down payment$600,210.75
Closing costs + prepaids$19,558.81
Total buyer cash needed$619,769.55
Remaining funds due$619,769.55
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%)$1,373.95
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,085.00
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$921.86
Fees + prepaids$19,558.81
Your down payment is the seller’s equity. You take over the $274,789 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $619,769.55 is due at closing. Uses and sources reconcile at $894,558.81 each. Not a Closing Disclosure.