Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$659,844Cash toward the purchase price.
Closing costs + prepaids$23,381Not just lender fees.
Before credits & paid funds$683,226The complete starting cash picture.
Estimated remaining funds due at closing
$683,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$659,844.25
Your down payment$659,844.25
Closing costs + prepaids$23,381.43
Total buyer cash needed$683,225.68
Remaining funds due$683,225.68
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%)$11,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,450.78
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,299.75
Prepaid interest, first (22 days)$912.90
Fees + prepaids$23,381.43
Your down payment is the seller’s equity. You take over the $490,156 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $683,225.68 is due at closing. Uses and sources reconcile at $1,173,381.43 each. Not a Closing Disclosure.