Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$625,133Cash toward the purchase price.
Closing costs + prepaids$16,580Not just lender fees.
Before credits & paid funds$641,713The complete starting cash picture.
Estimated remaining funds due at closing
$641,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$625,132.96
Your down payment$625,132.96
Closing costs + prepaids$16,579.97
Total buyer cash needed$641,712.93
Remaining funds due$641,712.93
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$623.84
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,874.75
Prepaid interest, first (26 days)$364.39
Fees + prepaids$16,579.97
Your down payment is the seller’s equity. You take over the $124,767 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $641,712.93 is due at closing. Uses and sources reconcile at $766,479.97 each. Not a Closing Disclosure.