Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$617,061Cash toward the purchase price.
Closing costs + prepaids$28,808Not just lender fees.
Before credits & paid funds$645,868The complete starting cash picture.
Estimated remaining funds due at closing
$645,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$617,060.54
Your down payment$617,060.54
Closing costs + prepaids$28,807.68
Total buyer cash needed$645,868.22
Remaining funds due$645,868.22
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%)$13,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,539.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,312.50
Prepaid interest, first (27 days)$2,487.49
Fees + prepaids$28,807.68
Your down payment is the seller’s equity. You take over the $707,939 balance, so the rest of the $1,325,000 price is paid at closing. A second mortgage can cover part of it. $645,868.22 is due at closing. Uses and sources reconcile at $1,353,807.68 each. Not a Closing Disclosure.