Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$654,663Cash toward the purchase price.
Closing costs + prepaids$19,885Not just lender fees.
Before credits & paid funds$674,548The complete starting cash picture.
Estimated remaining funds due at closing
$674,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$654,662.61
Your down payment$654,662.61
Closing costs + prepaids$19,885.46
Total buyer cash needed$674,548.07
Remaining funds due$674,548.07
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%)$1,476.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,715.75
Initial HOA (3 months)$200.01
Prepaid interest, first (30 days)$776.51
Fees + prepaids$19,885.46
Your down payment is the seller’s equity. You take over the $295,237 balance, so the rest of the $949,900 price is paid at closing. A second mortgage can cover part of it. $674,548.07 is due at closing. Uses and sources reconcile at $969,785.46 each. Not a Closing Disclosure.