Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$660,265Cash toward the purchase price.
Closing costs + prepaids$21,084Not just lender fees.
Before credits & paid funds$681,348The complete starting cash picture.
Estimated remaining funds due at closing
$681,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$660,264.69
Your down payment$660,264.69
Closing costs + prepaids$21,083.70
Total buyer cash needed$681,348.40
Remaining funds due$681,348.40
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%)$9,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,688.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,495.00
Prepaid interest, first (27 days)$702.03
Fees + prepaids$21,083.70
Your down payment is the seller’s equity. You take over the $337,735 balance, so the rest of the $998,000 price is paid at closing. A second mortgage can cover part of it. $681,348.40 is due at closing. Uses and sources reconcile at $1,019,083.70 each. Not a Closing Disclosure.