Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$673,826Cash toward the purchase price.
Closing costs + prepaids$16,468Not just lender fees.
Before credits & paid funds$690,293The complete starting cash picture.
Estimated remaining funds due at closing
$690,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$673,825.67
Your down payment$673,825.67
Closing costs + prepaids$16,467.68
Total buyer cash needed$690,293.35
Remaining funds due$690,293.35
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%)$8,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$880.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$160.75
Initial HOA (3 months)$681.00
Prepaid interest, first (2 days)$28.56
Fees + prepaids$16,467.68
Your down payment is the seller’s equity. You take over the $176,074 balance, so the rest of the $849,900 price is paid at closing. A second mortgage can cover part of it. $690,293.35 is due at closing. Uses and sources reconcile at $866,367.68 each. Not a Closing Disclosure.