Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$680,566Cash toward the purchase price.
Closing costs + prepaids$18,988Not just lender fees.
Before credits & paid funds$699,554The complete starting cash picture.
Estimated remaining funds due at closing
$699,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$680,566.49
Your down payment$680,566.49
Closing costs + prepaids$18,987.89
Total buyer cash needed$699,554.38
Remaining funds due$699,554.38
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%)$9,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$858.50
Initial HOA (3 months)$380.01
Prepaid interest, first (31 days)$684.21
Fees + prepaids$18,987.89
Your down payment is the seller’s equity. You take over the $269,434 balance, so the rest of the $950,000 price is paid at closing. A second mortgage can cover part of it. $699,554.38 is due at closing. Uses and sources reconcile at $968,987.89 each. Not a Closing Disclosure.