Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$612,835Cash toward the purchase price.
Closing costs + prepaids$19,982Not just lender fees.
Before credits & paid funds$632,817The complete starting cash picture.
Estimated remaining funds due at closing
$632,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$612,834.99
Your down payment$612,834.99
Closing costs + prepaids$19,982.48
Total buyer cash needed$632,817.47
Remaining funds due$632,817.47
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%)$9,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.83
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$792.50
Initial HOA (3 months)$552.00
Prepaid interest, first (19 days)$634.15
Fees + prepaids$19,982.48
Your down payment is the seller’s equity. You take over the $377,165 balance, so the rest of the $990,000 price is paid at closing. A second mortgage can cover part of it. $632,817.47 is due at closing. Uses and sources reconcile at $1,009,982.48 each. Not a Closing Disclosure.