Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$622,343Cash toward the purchase price.
Closing costs + prepaids$12,702Not just lender fees.
Before credits & paid funds$635,045The complete starting cash picture.
Estimated remaining funds due at closing
$635,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$622,343.12
Your down payment$622,343.12
Closing costs + prepaids$12,701.53
Total buyer cash needed$635,044.65
Remaining funds due$635,044.65
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$133.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$489.50
Initial HOA (3 months)$9.24
Prepaid interest, first (22 days)$111.51
Fees + prepaids$12,701.53
Your down payment is the seller’s equity. You take over the $26,657 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $635,044.65 is due at closing. Uses and sources reconcile at $661,701.53 each. Not a Closing Disclosure.