Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$672,440Cash toward the purchase price.
Closing costs + prepaids$19,052Not just lender fees.
Before credits & paid funds$691,492The complete starting cash picture.
Estimated remaining funds due at closing
$691,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$672,440.11
Your down payment$672,440.11
Closing costs + prepaids$19,051.98
Total buyer cash needed$691,492.09
Remaining funds due$691,492.09
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%)$9,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,537.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$718.00
Prepaid interest, first (26 days)$779.68
Fees + prepaids$19,051.98
Your down payment is the seller’s equity. You take over the $307,460 balance, so the rest of the $979,900 price is paid at closing. A second mortgage can cover part of it. $691,492.09 is due at closing. Uses and sources reconcile at $998,951.98 each. Not a Closing Disclosure.