Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$664,297Cash toward the purchase price.
Closing costs + prepaids$19,226Not just lender fees.
Before credits & paid funds$683,522The complete starting cash picture.
Estimated remaining funds due at closing
$683,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$664,296.52
Your down payment$664,296.52
Closing costs + prepaids$19,225.73
Total buyer cash needed$683,522.25
Remaining funds due$683,522.25
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%)$9,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,478.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,047.75
Initial HOA (3 months)$399.99
Prepaid interest, first (21 days)$481.47
Fees + prepaids$19,225.73
Your down payment is the seller’s equity. You take over the $295,703 balance, so the rest of the $960,000 price is paid at closing. A second mortgage can cover part of it. $683,522.25 is due at closing. Uses and sources reconcile at $979,225.73 each. Not a Closing Disclosure.