Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$273,326Cash toward the purchase price.
Closing costs + prepaids$21,563Not just lender fees.
Before credits & paid funds$294,889The complete starting cash picture.
Estimated remaining funds due at closing
$294,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,325.63
Your down payment$273,325.63
Closing costs + prepaids$21,563.38
Total buyer cash needed$294,889.01
Remaining funds due$294,889.01
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%)$3,008.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (30 days)$1,399.51
Fees + prepaids$21,563.38
Your down payment is the seller’s equity. You take over the $601,674 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $294,889.01 is due at closing. Uses and sources reconcile at $896,563.38 each. Not a Closing Disclosure.