Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$653,327Cash toward the purchase price.
Closing costs + prepaids$24,287Not just lender fees.
Before credits & paid funds$677,614The complete starting cash picture.
Estimated remaining funds due at closing
$677,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$653,327.45
Your down payment$653,327.45
Closing costs + prepaids$24,286.93
Total buyer cash needed$677,614.38
Remaining funds due$677,614.38
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%)$11,545.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,505.86
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$899.00
Initial HOA (3 months)$597.00
Prepaid interest, first (28 days)$2,522.07
Fees + prepaids$24,286.93
Your down payment is the seller’s equity. You take over the $501,173 balance, so the rest of the $1,154,500 price is paid at closing. A second mortgage can cover part of it. $677,614.38 is due at closing. Uses and sources reconcile at $1,178,786.93 each. Not a Closing Disclosure.