Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$398,435Cash toward the purchase price.
Closing costs + prepaids$14,291Not just lender fees.
Before credits & paid funds$412,726The complete starting cash picture.
Estimated remaining funds due at closing
$412,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$398,435.21
Your down payment$398,435.21
Closing costs + prepaids$14,290.54
Total buyer cash needed$412,725.76
Remaining funds due$412,725.76
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$447.25
Prepaid interest, first (31 days)$617.47
Fees + prepaids$14,290.54
Your down payment is the seller’s equity. You take over the $251,565 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $412,725.76 is due at closing. Uses and sources reconcile at $664,290.54 each. Not a Closing Disclosure.