Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$652,907Cash toward the purchase price.
Closing costs + prepaids$21,308Not just lender fees.
Before credits & paid funds$674,215The complete starting cash picture.
Estimated remaining funds due at closing
$674,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$652,906.62
Your down payment$652,906.62
Closing costs + prepaids$21,308.29
Total buyer cash needed$674,214.90
Remaining funds due$674,214.90
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%)$10,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,930.47
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,271.00
Initial HOA (3 months)$726.00
Prepaid interest, first (26 days)$772.82
Fees + prepaids$21,308.29
Your down payment is the seller’s equity. You take over the $386,093 balance, so the rest of the $1,039,000 price is paid at closing. A second mortgage can cover part of it. $674,214.90 is due at closing. Uses and sources reconcile at $1,060,308.29 each. Not a Closing Disclosure.