Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$623,934Cash toward the purchase price.
Closing costs + prepaids$24,326Not just lender fees.
Before credits & paid funds$648,260The complete starting cash picture.
Estimated remaining funds due at closing
$648,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$623,934.19
Your down payment$623,934.19
Closing costs + prepaids$24,325.59
Total buyer cash needed$648,259.77
Remaining funds due$648,259.77
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%)$11,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,625.33
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,872.50
Prepaid interest, first (28 days)$1,119.76
Fees + prepaids$24,325.59
Your down payment is the seller’s equity. You take over the $525,066 balance, so the rest of the $1,149,000 price is paid at closing. A second mortgage can cover part of it. $648,259.77 is due at closing. Uses and sources reconcile at $1,173,325.59 each. Not a Closing Disclosure.