Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$849,406Cash toward the purchase price.
Closing costs + prepaids$26,351Not just lender fees.
Before credits & paid funds$875,757The complete starting cash picture.
Estimated remaining funds due at closing
$875,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$849,405.81
Your down payment$849,405.81
Closing costs + prepaids$26,350.95
Total buyer cash needed$875,756.76
Remaining funds due$875,756.76
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%)$14,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,127.97
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$661.00
Prepaid interest, first (30 days)$1,593.98
Fees + prepaids$26,350.95
Your down payment is the seller’s equity. You take over the $625,594 balance, so the rest of the $1,475,000 price is paid at closing. A second mortgage can cover part of it. $875,756.76 is due at closing. Uses and sources reconcile at $1,501,350.95 each. Not a Closing Disclosure.