Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$613,201Cash toward the purchase price.
Closing costs + prepaids$18,670Not just lender fees.
Before credits & paid funds$631,871The complete starting cash picture.
Estimated remaining funds due at closing
$631,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$613,201.00
Your down payment$613,201.00
Closing costs + prepaids$18,669.97
Total buyer cash needed$631,870.97
Remaining funds due$631,870.97
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%)$8,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.49
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,037.25
Initial HOA (3 months)$738.00
Prepaid interest, first (29 days)$519.22
Fees + prepaids$18,669.97
Your down payment is the seller’s equity. You take over the $201,699 balance, so the rest of the $814,900 price is paid at closing. A second mortgage can cover part of it. $631,870.97 is due at closing. Uses and sources reconcile at $833,569.97 each. Not a Closing Disclosure.