Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$646,278Cash toward the purchase price.
Closing costs + prepaids$17,632Not just lender fees.
Before credits & paid funds$663,910The complete starting cash picture.
Estimated remaining funds due at closing
$663,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$646,278.27
Your down payment$646,278.27
Closing costs + prepaids$17,631.96
Total buyer cash needed$663,910.23
Remaining funds due$663,910.23
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%)$8,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,208.61
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$727.25
Initial HOA (3 months)$54.00
Prepaid interest, first (26 days)$544.11
Fees + prepaids$17,631.96
Your down payment is the seller’s equity. You take over the $241,722 balance, so the rest of the $888,000 price is paid at closing. A second mortgage can cover part of it. $663,910.23 is due at closing. Uses and sources reconcile at $905,631.96 each. Not a Closing Disclosure.