Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$632,884Cash toward the purchase price.
Closing costs + prepaids$19,505Not just lender fees.
Before credits & paid funds$652,388The complete starting cash picture.
Estimated remaining funds due at closing
$652,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$632,883.86
Your down payment$632,883.86
Closing costs + prepaids$19,504.59
Total buyer cash needed$652,388.44
Remaining funds due$652,388.44
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%)$9,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,533.08
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,174.50
Initial HOA (3 months)$714.00
Prepaid interest, first (15 days)$470.00
Fees + prepaids$19,504.59
Your down payment is the seller’s equity. You take over the $306,616 balance, so the rest of the $939,500 price is paid at closing. A second mortgage can cover part of it. $652,388.44 is due at closing. Uses and sources reconcile at $959,004.59 each. Not a Closing Disclosure.