Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$612,984Cash toward the purchase price.
Closing costs + prepaids$29,095Not just lender fees.
Before credits & paid funds$642,079The complete starting cash picture.
Estimated remaining funds due at closing
$642,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$612,983.75
Your down payment$612,983.75
Closing costs + prepaids$29,095.21
Total buyer cash needed$642,078.95
Remaining funds due$642,078.95
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%)$13,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,560.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,312.50
Prepaid interest, first (27 days)$2,754.63
Fees + prepaids$29,095.21
Your down payment is the seller’s equity. You take over the $712,016 balance, so the rest of the $1,325,000 price is paid at closing. A second mortgage can cover part of it. $642,078.95 is due at closing. Uses and sources reconcile at $1,354,095.21 each. Not a Closing Disclosure.