Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$633,560Cash toward the purchase price.
Closing costs + prepaids$17,948Not just lender fees.
Before credits & paid funds$651,508The complete starting cash picture.
Estimated remaining funds due at closing
$651,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$633,559.95
Your down payment$633,559.95
Closing costs + prepaids$17,947.86
Total buyer cash needed$651,507.81
Remaining funds due$651,507.81
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%)$1,207.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$699.50
Initial HOA (3 months)$200.01
Prepaid interest, first (30 days)$873.15
Fees + prepaids$17,947.86
Your down payment is the seller’s equity. You take over the $241,440 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $651,507.81 is due at closing. Uses and sources reconcile at $892,947.86 each. Not a Closing Disclosure.