Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$641,830Cash toward the purchase price.
Closing costs + prepaids$25,092Not just lender fees.
Before credits & paid funds$666,922The complete starting cash picture.
Estimated remaining funds due at closing
$666,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$641,830.42
Your down payment$641,830.42
Closing costs + prepaids$25,091.63
Total buyer cash needed$666,922.05
Remaining funds due$666,922.05
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%)$11,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,665.85
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,937.50
Initial HOA (3 months)$210.00
Prepaid interest, first (26 days)$1,310.28
Fees + prepaids$25,091.63
Your down payment is the seller’s equity. You take over the $533,170 balance, so the rest of the $1,175,000 price is paid at closing. A second mortgage can cover part of it. $666,922.05 is due at closing. Uses and sources reconcile at $1,200,091.63 each. Not a Closing Disclosure.