Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$639,033Cash toward the purchase price.
Closing costs + prepaids$20,781Not just lender fees.
Before credits & paid funds$659,814The complete starting cash picture.
Estimated remaining funds due at closing
$659,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$639,032.76
Your down payment$639,032.76
Closing costs + prepaids$20,781.46
Total buyer cash needed$659,814.22
Remaining funds due$659,814.22
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%)$9,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,654.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,425.00
Prepaid interest, first (29 days)$783.62
Fees + prepaids$20,781.46
Your down payment is the seller’s equity. You take over the $330,967 balance, so the rest of the $970,000 price is paid at closing. A second mortgage can cover part of it. $659,814.22 is due at closing. Uses and sources reconcile at $990,781.46 each. Not a Closing Disclosure.