Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$644,694Cash toward the purchase price.
Closing costs + prepaids$24,505Not just lender fees.
Before credits & paid funds$669,200The complete starting cash picture.
Estimated remaining funds due at closing
$669,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$644,694.32
Your down payment$644,694.32
Closing costs + prepaids$24,505.31
Total buyer cash needed$669,199.64
Remaining funds due$669,199.64
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,526.53
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,875.00
Prepaid interest, first (26 days)$1,385.78
Fees + prepaids$24,505.31
Your down payment is the seller’s equity. You take over the $505,306 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $669,199.64 is due at closing. Uses and sources reconcile at $1,174,505.31 each. Not a Closing Disclosure.