Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$334,806Cash toward the purchase price.
Closing costs + prepaids$15,153Not just lender fees.
Before credits & paid funds$349,959The complete starting cash picture.
Estimated remaining funds due at closing
$349,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,805.82
Your down payment$334,805.82
Closing costs + prepaids$15,153.05
Total buyer cash needed$349,958.87
Remaining funds due$349,958.87
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%)$1,575.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$343.75
Initial HOA (3 months)$489.00
Prepaid interest, first (31 days)$776.33
Fees + prepaids$15,153.05
Your down payment is the seller’s equity. You take over the $315,194 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $349,958.87 is due at closing. Uses and sources reconcile at $665,153.05 each. Not a Closing Disclosure.