Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$687,013Cash toward the purchase price.
Closing costs + prepaids$20,909Not just lender fees.
Before credits & paid funds$707,922The complete starting cash picture.
Estimated remaining funds due at closing
$707,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$687,012.85
Your down payment$687,012.85
Closing costs + prepaids$20,909.42
Total buyer cash needed$707,922.27
Remaining funds due$707,922.27
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%)$10,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,064.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$817.50
Prepaid interest, first (26 days)$809.00
Fees + prepaids$20,909.42
Your down payment is the seller’s equity. You take over the $412,986 balance, so the rest of the $1,099,999 price is paid at closing. A second mortgage can cover part of it. $707,922.27 is due at closing. Uses and sources reconcile at $1,120,908.42 each. Not a Closing Disclosure.