Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$683,519Cash toward the purchase price.
Closing costs + prepaids$24,269Not just lender fees.
Before credits & paid funds$707,788The complete starting cash picture.
Estimated remaining funds due at closing
$707,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$683,518.71
Your down payment$683,518.71
Closing costs + prepaids$24,268.95
Total buyer cash needed$707,787.66
Remaining funds due$707,787.66
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%)$11,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,863.00
Initial HOA (3 months)$249.99
Prepaid interest, first (23 days)$855.56
Fees + prepaids$24,268.95
Your down payment is the seller’s equity. You take over the $416,481 balance, so the rest of the $1,100,000 price is paid at closing. A second mortgage can cover part of it. $707,787.66 is due at closing. Uses and sources reconcile at $1,124,268.95 each. Not a Closing Disclosure.