Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$629,857Cash toward the purchase price.
Closing costs + prepaids$17,888Not just lender fees.
Before credits & paid funds$647,745The complete starting cash picture.
Estimated remaining funds due at closing
$647,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$629,857.11
Your down payment$629,857.11
Closing costs + prepaids$17,888.26
Total buyer cash needed$647,745.37
Remaining funds due$647,745.37
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,345.71
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$657.75
Initial HOA (3 months)$168.00
Prepaid interest, first (20 days)$508.79
Fees + prepaids$17,888.26
Your down payment is the seller’s equity. You take over the $269,143 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $647,745.37 is due at closing. Uses and sources reconcile at $916,888.26 each. Not a Closing Disclosure.