Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$681,997Cash toward the purchase price.
Closing costs + prepaids$17,048Not just lender fees.
Before credits & paid funds$699,045The complete starting cash picture.
Estimated remaining funds due at closing
$699,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$681,996.62
Your down payment$681,996.62
Closing costs + prepaids$17,048.13
Total buyer cash needed$699,044.75
Remaining funds due$699,044.75
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%)$8,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.02
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$884.50
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$20.61
Fees + prepaids$17,048.13
Your down payment is the seller’s equity. You take over the $198,003 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $699,044.75 is due at closing. Uses and sources reconcile at $897,048.13 each. Not a Closing Disclosure.