Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$644,868Cash toward the purchase price.
Closing costs + prepaids$20,793Not just lender fees.
Before credits & paid funds$665,661The complete starting cash picture.
Estimated remaining funds due at closing
$665,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$644,868.12
Your down payment$644,868.12
Closing costs + prepaids$20,793.01
Total buyer cash needed$665,661.13
Remaining funds due$665,661.13
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%)$9,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,620.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,422.50
Prepaid interest, first (24 days)$841.85
Fees + prepaids$20,793.01
Your down payment is the seller’s equity. You take over the $324,132 balance, so the rest of the $969,000 price is paid at closing. A second mortgage can cover part of it. $665,661.13 is due at closing. Uses and sources reconcile at $989,793.01 each. Not a Closing Disclosure.