Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$620,096Cash toward the purchase price.
Closing costs + prepaids$17,295Not just lender fees.
Before credits & paid funds$637,391The complete starting cash picture.
Estimated remaining funds due at closing
$637,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,095.90
Your down payment$620,095.90
Closing costs + prepaids$17,295.45
Total buyer cash needed$637,391.35
Remaining funds due$637,391.35
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$789.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$683.93
Fees + prepaids$17,295.45
Your down payment is the seller’s equity. You take over the $204,904 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $637,391.35 is due at closing. Uses and sources reconcile at $842,295.45 each. Not a Closing Disclosure.