Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$620,784Cash toward the purchase price.
Closing costs + prepaids$17,821Not just lender fees.
Before credits & paid funds$638,605The complete starting cash picture.
Estimated remaining funds due at closing
$638,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,784.44
Your down payment$620,784.44
Closing costs + prepaids$17,820.76
Total buyer cash needed$638,605.21
Remaining funds due$638,605.21
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%)$1,271.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,050.00
Initial HOA (3 months)$240.00
Prepaid interest, first (12 days)$291.69
Fees + prepaids$17,820.76
Your down payment is the seller’s equity. You take over the $254,216 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $638,605.21 is due at closing. Uses and sources reconcile at $892,820.76 each. Not a Closing Disclosure.