Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$608,278Cash toward the purchase price.
Closing costs + prepaids$24,571Not just lender fees.
Before credits & paid funds$632,848The complete starting cash picture.
Estimated remaining funds due at closing
$632,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$608,277.83
Your down payment$608,277.83
Closing costs + prepaids$24,570.65
Total buyer cash needed$632,848.48
Remaining funds due$632,848.48
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%)$12,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,453.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$707.75
Prepaid interest, first (23 days)$1,201.29
Fees + prepaids$24,570.65
Your down payment is the seller’s equity. You take over the $690,722 balance, so the rest of the $1,299,000 price is paid at closing. A second mortgage can cover part of it. $632,848.48 is due at closing. Uses and sources reconcile at $1,323,570.65 each. Not a Closing Disclosure.