Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$655,995Cash toward the purchase price.
Closing costs + prepaids$30,828Not just lender fees.
Before credits & paid funds$686,823The complete starting cash picture.
Estimated remaining funds due at closing
$686,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$655,994.73
Your down payment$655,994.73
Closing costs + prepaids$30,827.90
Total buyer cash needed$686,822.63
Remaining funds due$686,822.63
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%)$14,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,215.03
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,747.50
Prepaid interest, first (24 days)$1,657.37
Fees + prepaids$30,827.90
Your down payment is the seller’s equity. You take over the $843,005 balance, so the rest of the $1,499,000 price is paid at closing. A second mortgage can cover part of it. $686,822.63 is due at closing. Uses and sources reconcile at $1,529,827.90 each. Not a Closing Disclosure.