Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$417,672Cash toward the purchase price.
Closing costs + prepaids$16,924Not just lender fees.
Before credits & paid funds$434,597The complete starting cash picture.
Estimated remaining funds due at closing
$434,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,672.32
Your down payment$417,672.32
Closing costs + prepaids$16,924.31
Total buyer cash needed$434,596.63
Remaining funds due$434,596.63
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%)$1,161.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Initial HOA (3 months)$1,635.00
Prepaid interest, first (28 days)$534.67
Fees + prepaids$16,924.31
Your down payment is the seller’s equity. You take over the $232,328 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $434,596.63 is due at closing. Uses and sources reconcile at $666,924.31 each. Not a Closing Disclosure.