Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$473,324Cash toward the purchase price.
Closing costs + prepaids$19,650Not just lender fees.
Before credits & paid funds$492,974The complete starting cash picture.
Estimated remaining funds due at closing
$492,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$473,324.18
Your down payment$473,324.18
Closing costs + prepaids$19,649.52
Total buyer cash needed$492,973.69
Remaining funds due$492,973.69
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%)$8,760.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.38
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,745.00
Prepaid interest, first (31 days)$913.14
Fees + prepaids$19,649.52
Your down payment is the seller’s equity. You take over the $402,676 balance, so the rest of the $876,000 price is paid at closing. A second mortgage can cover part of it. $492,973.69 is due at closing. Uses and sources reconcile at $895,649.52 each. Not a Closing Disclosure.