Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$656,616Cash toward the purchase price.
Closing costs + prepaids$21,097Not just lender fees.
Before credits & paid funds$677,712The complete starting cash picture.
Estimated remaining funds due at closing
$677,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$656,615.58
Your down payment$656,615.58
Closing costs + prepaids$21,096.58
Total buyer cash needed$677,712.15
Remaining funds due$677,712.15
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%)$9,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,641.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,462.50
Prepaid interest, first (24 days)$924.15
Fees + prepaids$21,096.58
Your down payment is the seller’s equity. You take over the $328,384 balance, so the rest of the $985,000 price is paid at closing. A second mortgage can cover part of it. $677,712.15 is due at closing. Uses and sources reconcile at $1,006,096.58 each. Not a Closing Disclosure.