Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$461,919Cash toward the purchase price.
Closing costs + prepaids$18,211Not just lender fees.
Before credits & paid funds$480,130The complete starting cash picture.
Estimated remaining funds due at closing
$480,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$461,919.31
Your down payment$461,919.31
Closing costs + prepaids$18,210.66
Total buyer cash needed$480,129.98
Remaining funds due$480,129.98
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%)$2,065.40
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 (1 days)$31.01
Fees + prepaids$18,210.66
Your down payment is the seller’s equity. You take over the $413,081 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $480,129.98 is due at closing. Uses and sources reconcile at $893,210.66 each. Not a Closing Disclosure.