Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$619,307Cash toward the purchase price.
Closing costs + prepaids$12,450Not just lender fees.
Before credits & paid funds$631,757The complete starting cash picture.
Estimated remaining funds due at closing
$631,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$619,306.87
Your down payment$619,306.87
Closing costs + prepaids$12,450.34
Total buyer cash needed$631,757.21
Remaining funds due$631,757.21
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%)$6,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$27.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$528.75
Initial HOA (3 months)$165.00
Prepaid interest, first (24 days)$11.62
Fees + prepaids$12,450.34
Your down payment is the seller’s equity. You take over the $5,593 balance, so the rest of the $624,900 price is paid at closing. A second mortgage can cover part of it. $631,757.21 is due at closing. Uses and sources reconcile at $637,350.34 each. Not a Closing Disclosure.