Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$394,182Cash toward the purchase price.
Closing costs + prepaids$15,002Not just lender fees.
Before credits & paid funds$409,184The complete starting cash picture.
Estimated remaining funds due at closing
$409,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,181.60
Your down payment$394,181.60
Closing costs + prepaids$15,002.25
Total buyer cash needed$409,183.85
Remaining funds due$409,183.85
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%)$1,279.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.50
Initial HOA (3 months)$54.75
Prepaid interest, first (31 days)$866.91
Fees + prepaids$15,002.25
Your down payment is the seller’s equity. You take over the $255,818 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $409,183.85 is due at closing. Uses and sources reconcile at $665,002.25 each. Not a Closing Disclosure.