Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$509,873Cash toward the purchase price.
Closing costs + prepaids$19,639Not just lender fees.
Before credits & paid funds$529,512The complete starting cash picture.
Estimated remaining funds due at closing
$529,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,872.94
Your down payment$509,872.94
Closing costs + prepaids$19,638.94
Total buyer cash needed$529,511.88
Remaining funds due$529,511.88
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%)$8,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,835.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,192.50
Prepaid interest, first (18 days)$622.81
Fees + prepaids$19,638.94
Your down payment is the seller’s equity. You take over the $367,127 balance, so the rest of the $877,000 price is paid at closing. A second mortgage can cover part of it. $529,511.88 is due at closing. Uses and sources reconcile at $896,638.94 each. Not a Closing Disclosure.