Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$626,266Cash toward the purchase price.
Closing costs + prepaids$12,777Not just lender fees.
Before credits & paid funds$639,043The complete starting cash picture.
Estimated remaining funds due at closing
$639,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$626,265.66
Your down payment$626,265.66
Closing costs + prepaids$12,776.91
Total buyer cash needed$639,042.57
Remaining funds due$639,042.57
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$118.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$631.25
Prepaid interest, first (28 days)$58.99
Fees + prepaids$12,776.91
Your down payment is the seller’s equity. You take over the $23,734 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $639,042.57 is due at closing. Uses and sources reconcile at $662,776.91 each. Not a Closing Disclosure.