Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$660,178Cash toward the purchase price.
Closing costs + prepaids$37,652Not just lender fees.
Before credits & paid funds$697,830The complete starting cash picture.
Estimated remaining funds due at closing
$697,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$660,178.15
Your down payment$660,178.15
Closing costs + prepaids$37,652.01
Total buyer cash needed$697,830.16
Remaining funds due$697,830.16
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%)$17,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,569.11
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$4,435.00
Initial HOA (3 months)$1,317.00
Prepaid interest, first (27 days)$2,372.90
Fees + prepaids$37,652.01
Your down payment is the seller’s equity. You take over the $1,113,822 balance, so the rest of the $1,774,000 price is paid at closing. A second mortgage can cover part of it. $697,830.16 is due at closing. Uses and sources reconcile at $1,811,652.01 each. Not a Closing Disclosure.