Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$631,454Cash toward the purchase price.
Closing costs + prepaids$30,918Not just lender fees.
Before credits & paid funds$662,372The complete starting cash picture.
Estimated remaining funds due at closing
$662,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$631,453.86
Your down payment$631,453.86
Closing costs + prepaids$30,918.41
Total buyer cash needed$662,372.27
Remaining funds due$662,372.27
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%)$14,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,217.23
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,595.50
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$1,988.68
Fees + prepaids$30,918.41
Your down payment is the seller’s equity. You take over the $843,446 balance, so the rest of the $1,474,900 price is paid at closing. A second mortgage can cover part of it. $662,372.27 is due at closing. Uses and sources reconcile at $1,505,818.41 each. Not a Closing Disclosure.