Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$656,291Cash toward the purchase price.
Closing costs + prepaids$21,818Not just lender fees.
Before credits & paid funds$678,109The complete starting cash picture.
Estimated remaining funds due at closing
$678,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$656,291.40
Your down payment$656,291.40
Closing costs + prepaids$21,818.00
Total buyer cash needed$678,109.41
Remaining funds due$678,109.41
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%)$10,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,706.50
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$1,912.46
Fees + prepaids$21,818.00
Your down payment is the seller’s equity. You take over the $358,709 balance, so the rest of the $1,015,000 price is paid at closing. A second mortgage can cover part of it. $678,109.41 is due at closing. Uses and sources reconcile at $1,036,818.00 each. Not a Closing Disclosure.