Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$616,569Cash toward the purchase price.
Closing costs + prepaids$18,553Not just lender fees.
Before credits & paid funds$635,122The complete starting cash picture.
Estimated remaining funds due at closing
$635,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$616,568.93
Your down payment$616,568.93
Closing costs + prepaids$18,552.61
Total buyer cash needed$635,121.54
Remaining funds due$635,121.54
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,417.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,163.00
Prepaid interest, first (28 days)$754.47
Fees + prepaids$18,552.61
Your down payment is the seller’s equity. You take over the $283,430 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $635,121.54 is due at closing. Uses and sources reconcile at $918,551.61 each. Not a Closing Disclosure.