Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$676,328Cash toward the purchase price.
Closing costs + prepaids$19,668Not just lender fees.
Before credits & paid funds$695,997The complete starting cash picture.
Estimated remaining funds due at closing
$695,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$676,328.22
Your down payment$676,328.22
Closing costs + prepaids$19,668.39
Total buyer cash needed$695,996.61
Remaining funds due$695,996.61
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,617.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$811.00
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$692.53
Fees + prepaids$19,668.39
Your down payment is the seller’s equity. You take over the $323,572 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $695,996.61 is due at closing. Uses and sources reconcile at $1,019,568.39 each. Not a Closing Disclosure.