Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$647,174Cash toward the purchase price.
Closing costs + prepaids$16,666Not just lender fees.
Before credits & paid funds$663,840The complete starting cash picture.
Estimated remaining funds due at closing
$663,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$647,174.47
Your down payment$647,174.47
Closing costs + prepaids$16,665.96
Total buyer cash needed$663,840.43
Remaining funds due$663,840.43
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%)$7,810.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$669.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,252.25
Initial HOA (3 months)$435.00
Prepaid interest, first (24 days)$281.58
Fees + prepaids$16,665.96
Your down payment is the seller’s equity. You take over the $133,826 balance, so the rest of the $781,000 price is paid at closing. A second mortgage can cover part of it. $663,840.43 is due at closing. Uses and sources reconcile at $797,665.96 each. Not a Closing Disclosure.