Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$649,111Cash toward the purchase price.
Closing costs + prepaids$19,666Not just lender fees.
Before credits & paid funds$668,777The complete starting cash picture.
Estimated remaining funds due at closing
$668,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$649,110.78
Your down payment$649,110.78
Closing costs + prepaids$19,666.50
Total buyer cash needed$668,777.28
Remaining funds due$668,777.28
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,629.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$920.50
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$1,018.56
Fees + prepaids$19,666.50
Your down payment is the seller’s equity. You take over the $325,889 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $668,777.28 is due at closing. Uses and sources reconcile at $994,666.50 each. Not a Closing Disclosure.