Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$229,735Cash toward the purchase price.
Closing costs + prepaids$16,794Not just lender fees.
Before credits & paid funds$246,528The complete starting cash picture.
Estimated remaining funds due at closing
$246,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,734.80
Your down payment$229,734.80
Closing costs + prepaids$16,793.58
Total buyer cash needed$246,528.38
Remaining funds due$246,528.38
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%)$2,101.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$550.50
Prepaid interest, first (31 days)$2,173.75
Fees + prepaids$16,793.58
Your down payment is the seller’s equity. You take over the $420,265 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $246,528.38 is due at closing. Uses and sources reconcile at $666,793.58 each. Not a Closing Disclosure.