Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$630,054Cash toward the purchase price.
Closing costs + prepaids$38,684Not just lender fees.
Before credits & paid funds$668,738The complete starting cash picture.
Estimated remaining funds due at closing
$668,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$630,054.44
Your down payment$630,054.44
Closing costs + prepaids$38,684.02
Total buyer cash needed$668,738.46
Remaining funds due$668,738.46
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%)$19,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,824.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,394.00
Initial HOA (3 months)$174.00
Prepaid interest, first (12 days)$3,123.29
Fees + prepaids$38,684.02
Your down payment is the seller’s equity. You take over the $1,364,946 balance, so the rest of the $1,995,000 price is paid at closing. A second mortgage can cover part of it. $668,738.46 is due at closing. Uses and sources reconcile at $2,033,684.02 each. Not a Closing Disclosure.