Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$642,125Cash toward the purchase price.
Closing costs + prepaids$26,812Not just lender fees.
Before credits & paid funds$668,937The complete starting cash picture.
Estimated remaining funds due at closing
$668,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$642,125.22
Your down payment$642,125.22
Closing costs + prepaids$26,812.15
Total buyer cash needed$668,937.37
Remaining funds due$668,937.37
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%)$12,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,214.37
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,212.50
Prepaid interest, first (27 days)$1,317.28
Fees + prepaids$26,812.15
Your down payment is the seller’s equity. You take over the $642,875 balance, so the rest of the $1,285,000 price is paid at closing. A second mortgage can cover part of it. $668,937.37 is due at closing. Uses and sources reconcile at $1,311,812.15 each. Not a Closing Disclosure.