Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$626,470Cash toward the purchase price.
Closing costs + prepaids$13,829Not just lender fees.
Before credits & paid funds$640,299The complete starting cash picture.
Estimated remaining funds due at closing
$640,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,470.21
Your down payment$626,470.21
Closing costs + prepaids$13,829.16
Total buyer cash needed$640,299.37
Remaining funds due$640,299.37
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%)$6,498.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$116.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.50
Prepaid interest, first (27 days)$122.01
Fees + prepaids$13,829.16
Your down payment is the seller’s equity. You take over the $23,330 balance, so the rest of the $649,800 price is paid at closing. A second mortgage can cover part of it. $640,299.37 is due at closing. Uses and sources reconcile at $663,629.16 each. Not a Closing Disclosure.