Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$616,771Cash toward the purchase price.
Closing costs + prepaids$18,196Not just lender fees.
Before credits & paid funds$634,967The complete starting cash picture.
Estimated remaining funds due at closing
$634,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$616,770.70
Your down payment$616,770.70
Closing costs + prepaids$18,195.94
Total buyer cash needed$634,966.64
Remaining funds due$634,966.64
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%)$1,291.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,030.00
Initial HOA (3 months)$885.99
Prepaid interest, first (1 days)$20.80
Fees + prepaids$18,195.94
Your down payment is the seller’s equity. You take over the $258,229 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $634,966.64 is due at closing. Uses and sources reconcile at $893,195.94 each. Not a Closing Disclosure.