Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,213Cash toward the purchase price.
Closing costs + prepaids$16,052Not just lender fees.
Before credits & paid funds$230,265The complete starting cash picture.
Estimated remaining funds due at closing
$230,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,212.51
Your down payment$214,212.51
Closing costs + prepaids$16,052.23
Total buyer cash needed$230,264.73
Remaining funds due$230,264.73
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%)$2,178.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$889.00
Initial HOA (3 months)$144.00
Prepaid interest, first (26 days)$872.29
Fees + prepaids$16,052.23
Your down payment is the seller’s equity. You take over the $435,787 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $230,264.73 is due at closing. Uses and sources reconcile at $666,052.23 each. Not a Closing Disclosure.