Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$462,911Cash toward the purchase price.
Closing costs + prepaids$18,762Not just lender fees.
Before credits & paid funds$481,674The complete starting cash picture.
Estimated remaining funds due at closing
$481,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$462,911.29
Your down payment$462,911.29
Closing costs + prepaids$18,762.46
Total buyer cash needed$481,673.75
Remaining funds due$481,673.75
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%)$2,060.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,146.25
Prepaid interest, first (19 days)$587.76
Fees + prepaids$18,762.46
Your down payment is the seller’s equity. You take over the $412,089 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $481,673.75 is due at closing. Uses and sources reconcile at $893,762.46 each. Not a Closing Disclosure.