Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$181,964Cash toward the purchase price.
Closing costs + prepaids$17,468Not just lender fees.
Before credits & paid funds$199,432The complete starting cash picture.
Estimated remaining funds due at closing
$199,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,964.23
Your down payment$181,964.23
Closing costs + prepaids$17,468.21
Total buyer cash needed$199,432.44
Remaining funds due$199,432.44
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%)$2,340.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$966.25
Initial HOA (3 months)$1,329.00
Prepaid interest, first (24 days)$864.78
Fees + prepaids$17,468.21
Your down payment is the seller’s equity. You take over the $468,036 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $199,432.44 is due at closing. Uses and sources reconcile at $667,468.21 each. Not a Closing Disclosure.