Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$616,569Cash toward the purchase price.
Closing costs + prepaids$18,364Not just lender fees.
Before credits & paid funds$634,933The complete starting cash picture.
Estimated remaining funds due at closing
$634,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$616,568.93
Your down payment$616,568.93
Closing costs + prepaids$18,363.99
Total buyer cash needed$634,932.92
Remaining funds due$634,932.92
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%)$8,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,417.15
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,163.00
Prepaid interest, first (21 days)$565.85
Fees + prepaids$18,363.99
Your down payment is the seller’s equity. You take over the $283,430 balance, so the rest of the $899,999 price is paid at closing. A second mortgage can cover part of it. $634,932.92 is due at closing. Uses and sources reconcile at $918,362.99 each. Not a Closing Disclosure.