Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$617,226Cash toward the purchase price.
Closing costs + prepaids$15,495Not just lender fees.
Before credits & paid funds$632,722The complete starting cash picture.
Estimated remaining funds due at closing
$632,722No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$617,226.19
Your down payment$617,226.19
Closing costs + prepaids$15,495.47
Total buyer cash needed$632,721.66
Remaining funds due$632,721.66
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%)$7,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$808.87
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$237.25
Prepaid interest, first (26 days)$441.35
Fees + prepaids$15,495.47
Your down payment is the seller’s equity. You take over the $161,774 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $632,721.66 is due at closing. Uses and sources reconcile at $794,495.47 each. Not a Closing Disclosure.