Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$645,628Cash toward the purchase price.
Closing costs + prepaids$13,202Not just lender fees.
Before credits & paid funds$658,830The complete starting cash picture.
Estimated remaining funds due at closing
$658,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$645,628.30
Your down payment$645,628.30
Closing costs + prepaids$13,201.50
Total buyer cash needed$658,829.80
Remaining funds due$658,829.80
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$121.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (16 days)$74.14
Fees + prepaids$13,201.50
Your down payment is the seller’s equity. You take over the $24,372 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $658,829.80 is due at closing. Uses and sources reconcile at $683,201.50 each. Not a Closing Disclosure.