Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$619,779Cash toward the purchase price.
Closing costs + prepaids$21,486Not just lender fees.
Before credits & paid funds$641,265The complete starting cash picture.
Estimated remaining funds due at closing
$641,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$619,778.91
Your down payment$619,778.91
Closing costs + prepaids$21,485.97
Total buyer cash needed$641,264.89
Remaining funds due$641,264.89
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%)$9,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,776.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,998.50
Initial HOA (3 months)$24.75
Prepaid interest, first (26 days)$718.62
Fees + prepaids$21,485.97
Your down payment is the seller’s equity. You take over the $355,221 balance, so the rest of the $975,000 price is paid at closing. A second mortgage can cover part of it. $641,264.89 is due at closing. Uses and sources reconcile at $996,485.97 each. Not a Closing Disclosure.