Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$681,170Cash toward the purchase price.
Closing costs + prepaids$20,183Not just lender fees.
Before credits & paid funds$701,353The complete starting cash picture.
Estimated remaining funds due at closing
$701,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$681,169.96
Your down payment$681,169.96
Closing costs + prepaids$20,182.69
Total buyer cash needed$701,352.65
Remaining funds due$701,352.65
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%)$9,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,564.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,383.50
Initial HOA (3 months)$531.00
Prepaid interest, first (23 days)$546.04
Fees + prepaids$20,182.69
Your down payment is the seller’s equity. You take over the $312,830 balance, so the rest of the $994,000 price is paid at closing. A second mortgage can cover part of it. $701,352.65 is due at closing. Uses and sources reconcile at $1,014,182.69 each. Not a Closing Disclosure.