Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$666,792Cash toward the purchase price.
Closing costs + prepaids$24,190Not just lender fees.
Before credits & paid funds$690,982The complete starting cash picture.
Estimated remaining funds due at closing
$690,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$666,791.73
Your down payment$666,791.73
Closing costs + prepaids$24,190.11
Total buyer cash needed$690,981.84
Remaining funds due$690,981.84
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%)$12,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,041.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,550.25
Initial HOA (3 months)$570.00
Prepaid interest, first (1 days)$60.82
Fees + prepaids$24,190.11
Your down payment is the seller’s equity. You take over the $608,208 balance, so the rest of the $1,275,000 price is paid at closing. A second mortgage can cover part of it. $690,981.84 is due at closing. Uses and sources reconcile at $1,299,190.11 each. Not a Closing Disclosure.