Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$658,882Cash toward the purchase price.
Closing costs + prepaids$27,460Not just lender fees.
Before credits & paid funds$686,342The complete starting cash picture.
Estimated remaining funds due at closing
$686,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$658,881.97
Your down payment$658,881.97
Closing costs + prepaids$27,460.19
Total buyer cash needed$686,342.17
Remaining funds due$686,342.17
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%)$14,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,950.59
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,811.25
Prepaid interest, first (15 days)$990.35
Fees + prepaids$27,460.19
Your down payment is the seller’s equity. You take over the $790,118 balance, so the rest of the $1,449,000 price is paid at closing. A second mortgage can cover part of it. $686,342.17 is due at closing. Uses and sources reconcile at $1,476,460.19 each. Not a Closing Disclosure.