Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$620,096Cash toward the purchase price.
Closing costs + prepaids$17,077Not just lender fees.
Before credits & paid funds$637,173The complete starting cash picture.
Estimated remaining funds due at closing
$637,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,095.90
Your down payment$620,095.90
Closing costs + prepaids$17,077.27
Total buyer cash needed$637,173.16
Remaining funds due$637,173.16
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,024.52
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$330.00
Prepaid interest, first (12 days)$264.75
Fees + prepaids$17,077.27
Your down payment is the seller’s equity. You take over the $204,904 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $637,173.16 is due at closing. Uses and sources reconcile at $842,077.27 each. Not a Closing Disclosure.