Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$610,600Cash toward the purchase price.
Closing costs + prepaids$16,768Not just lender fees.
Before credits & paid funds$627,368The complete starting cash picture.
Estimated remaining funds due at closing
$627,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$610,600.23
Your down payment$610,600.23
Closing costs + prepaids$16,767.54
Total buyer cash needed$627,367.76
Remaining funds due$627,367.76
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%)$7,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$784.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,659.00
Initial HOA (3 months)$81.99
Prepaid interest, first (28 days)$349.05
Fees + prepaids$16,767.54
Your down payment is the seller’s equity. You take over the $156,900 balance, so the rest of the $767,500 price is paid at closing. A second mortgage can cover part of it. $627,367.76 is due at closing. Uses and sources reconcile at $784,267.54 each. Not a Closing Disclosure.