Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$303,812Cash toward the purchase price.
Closing costs + prepaids$17,869Not just lender fees.
Before credits & paid funds$321,681The complete starting cash picture.
Estimated remaining funds due at closing
$321,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,811.95
Your down payment$303,811.95
Closing costs + prepaids$17,869.10
Total buyer cash needed$321,681.05
Remaining funds due$321,681.05
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,730.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.75
Initial HOA (3 months)$1,623.00
Prepaid interest, first (24 days)$923.91
Fees + prepaids$17,869.10
Your down payment is the seller’s equity. You take over the $346,088 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $321,681.05 is due at closing. Uses and sources reconcile at $667,769.10 each. Not a Closing Disclosure.