Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$572,717Cash toward the purchase price.
Closing costs + prepaids$19,072Not just lender fees.
Before credits & paid funds$591,789The complete starting cash picture.
Estimated remaining funds due at closing
$591,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$572,716.73
Your down payment$572,716.73
Closing costs + prepaids$19,072.39
Total buyer cash needed$591,789.12
Remaining funds due$591,789.12
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%)$1,511.42
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,187.50
Prepaid interest, first (18 days)$405.47
Fees + prepaids$19,072.39
Your down payment is the seller’s equity. You take over the $302,283 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $591,789.12 is due at closing. Uses and sources reconcile at $894,072.39 each. Not a Closing Disclosure.