Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$681,472Cash toward the purchase price.
Closing costs + prepaids$25,911Not just lender fees.
Before credits & paid funds$707,383The complete starting cash picture.
Estimated remaining funds due at closing
$707,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$681,471.78
Your down payment$681,471.78
Closing costs + prepaids$25,910.94
Total buyer cash needed$707,382.72
Remaining funds due$707,382.72
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%)$12,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,842.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,125.00
Initial HOA (3 months)$111.00
Prepaid interest, first (27 days)$1,114.45
Fees + prepaids$25,910.94
Your down payment is the seller’s equity. You take over the $568,518 balance, so the rest of the $1,249,990 price is paid at closing. A second mortgage can cover part of it. $707,382.72 is due at closing. Uses and sources reconcile at $1,275,900.94 each. Not a Closing Disclosure.