Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$643,086Cash toward the purchase price.
Closing costs + prepaids$18,837Not just lender fees.
Before credits & paid funds$661,923The complete starting cash picture.
Estimated remaining funds due at closing
$661,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$643,086.12
Your down payment$643,086.12
Closing costs + prepaids$18,836.61
Total buyer cash needed$661,922.73
Remaining funds due$661,922.73
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%)$9,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,584.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,152.00
Initial HOA (3 months)$57.00
Prepaid interest, first (9 days)$226.54
Fees + prepaids$18,836.61
Your down payment is the seller’s equity. You take over the $316,814 balance, so the rest of the $959,900 price is paid at closing. A second mortgage can cover part of it. $661,922.73 is due at closing. Uses and sources reconcile at $978,736.61 each. Not a Closing Disclosure.