Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$672,408Cash toward the purchase price.
Closing costs + prepaids$17,488Not just lender fees.
Before credits & paid funds$689,895The complete starting cash picture.
Estimated remaining funds due at closing
$689,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$672,407.98
Your down payment$672,407.98
Closing costs + prepaids$17,487.51
Total buyer cash needed$689,895.49
Remaining funds due$689,895.49
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,137.96
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$458.75
Prepaid interest, first (26 days)$672.80
Fees + prepaids$17,487.51
Your down payment is the seller’s equity. You take over the $227,592 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $689,895.49 is due at closing. Uses and sources reconcile at $917,487.51 each. Not a Closing Disclosure.