Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$633,723Cash toward the purchase price.
Closing costs + prepaids$20,192Not just lender fees.
Before credits & paid funds$653,915The complete starting cash picture.
Estimated remaining funds due at closing
$653,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$633,723.09
Your down payment$633,723.09
Closing costs + prepaids$20,192.37
Total buyer cash needed$653,915.45
Remaining funds due$653,915.45
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%)$9,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,580.88
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,877.75
Initial HOA (3 months)$50.01
Prepaid interest, first (30 days)$966.72
Fees + prepaids$20,192.37
Your down payment is the seller’s equity. You take over the $316,177 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $653,915.45 is due at closing. Uses and sources reconcile at $970,092.37 each. Not a Closing Disclosure.