Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$642,146Cash toward the purchase price.
Closing costs + prepaids$23,805Not just lender fees.
Before credits & paid funds$665,950The complete starting cash picture.
Estimated remaining funds due at closing
$665,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$642,145.64
Your down payment$642,145.64
Closing costs + prepaids$23,804.77
Total buyer cash needed$665,950.41
Remaining funds due$665,950.41
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%)$10,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,159.27
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,685.00
Initial HOA (3 months)$1,197.00
Prepaid interest, first (23 days)$805.50
Fees + prepaids$23,804.77
Your down payment is the seller’s equity. You take over the $431,854 balance, so the rest of the $1,074,000 price is paid at closing. A second mortgage can cover part of it. $665,950.41 is due at closing. Uses and sources reconcile at $1,097,804.77 each. Not a Closing Disclosure.