Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$607,955Cash toward the purchase price.
Closing costs + prepaids$18,841Not just lender fees.
Before credits & paid funds$626,796The complete starting cash picture.
Estimated remaining funds due at closing
$626,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$607,955.11
Your down payment$607,955.11
Closing costs + prepaids$18,840.63
Total buyer cash needed$626,795.74
Remaining funds due$626,795.74
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%)$9,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,710.22
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,140.00
Prepaid interest, first (9 days)$272.42
Fees + prepaids$18,840.63
Your down payment is the seller’s equity. You take over the $342,044 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $626,795.74 is due at closing. Uses and sources reconcile at $968,839.63 each. Not a Closing Disclosure.