Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$644,932Cash toward the purchase price.
Closing costs + prepaids$23,188Not just lender fees.
Before credits & paid funds$668,120The complete starting cash picture.
Estimated remaining funds due at closing
$668,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$644,932.10
Your down payment$644,932.10
Closing costs + prepaids$23,188.25
Total buyer cash needed$668,120.35
Remaining funds due$668,120.35
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%)$12,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,775.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$826.25
Prepaid interest, first (30 days)$1,368.66
Fees + prepaids$23,188.25
Your down payment is the seller’s equity. You take over the $555,068 balance, so the rest of the $1,200,000 price is paid at closing. A second mortgage can cover part of it. $668,120.35 is due at closing. Uses and sources reconcile at $1,223,188.25 each. Not a Closing Disclosure.