Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$637,698Cash toward the purchase price.
Closing costs + prepaids$25,847Not just lender fees.
Before credits & paid funds$663,545The complete starting cash picture.
Estimated remaining funds due at closing
$663,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$637,698.26
Your down payment$637,698.26
Closing costs + prepaids$25,846.84
Total buyer cash needed$663,545.10
Remaining funds due$663,545.10
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%)$12,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,301.51
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,245.00
Initial HOA (3 months)$48.24
Prepaid interest, first (1 days)$54.09
Fees + prepaids$25,846.84
Your down payment is the seller’s equity. You take over the $660,302 balance, so the rest of the $1,298,000 price is paid at closing. A second mortgage can cover part of it. $663,545.10 is due at closing. Uses and sources reconcile at $1,323,846.84 each. Not a Closing Disclosure.