Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$665,216Cash toward the purchase price.
Closing costs + prepaids$21,156Not just lender fees.
Before credits & paid funds$686,371The complete starting cash picture.
Estimated remaining funds due at closing
$686,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$665,215.53
Your down payment$665,215.53
Closing costs + prepaids$21,155.67
Total buyer cash needed$686,371.21
Remaining funds due$686,371.21
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%)$10,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,320.00
Initial HOA (3 months)$120.00
Prepaid interest, first (9 days)$323.76
Fees + prepaids$21,155.67
Your down payment is the seller’s equity. You take over the $434,783 balance, so the rest of the $1,099,999 price is paid at closing. A second mortgage can cover part of it. $686,371.21 is due at closing. Uses and sources reconcile at $1,121,154.67 each. Not a Closing Disclosure.