Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$627,422Cash toward the purchase price.
Closing costs + prepaids$16,802Not just lender fees.
Before credits & paid funds$644,224The complete starting cash picture.
Estimated remaining funds due at closing
$644,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$627,421.99
Your down payment$627,421.99
Closing costs + prepaids$16,801.75
Total buyer cash needed$644,223.74
Remaining funds due$644,223.74
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%)$7,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$812.89
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,056.75
Initial HOA (3 months)$269.01
Prepaid interest, first (29 days)$545.10
Fees + prepaids$16,801.75
Your down payment is the seller’s equity. You take over the $162,578 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $644,223.74 is due at closing. Uses and sources reconcile at $806,801.75 each. Not a Closing Disclosure.