Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$620,652Cash toward the purchase price.
Closing costs + prepaids$18,394Not just lender fees.
Before credits & paid funds$639,047The complete starting cash picture.
Estimated remaining funds due at closing
$639,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,652.47
Your down payment$620,652.47
Closing costs + prepaids$18,394.26
Total buyer cash needed$639,046.73
Remaining funds due$639,046.73
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%)$9,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,571.74
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$600.25
Initial HOA (3 months)$27.99
Prepaid interest, first (24 days)$626.28
Fees + prepaids$18,394.26
Your down payment is the seller’s equity. You take over the $314,348 balance, so the rest of the $935,000 price is paid at closing. A second mortgage can cover part of it. $639,046.73 is due at closing. Uses and sources reconcile at $953,394.26 each. Not a Closing Disclosure.