Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$420,172Cash toward the purchase price.
Closing costs + prepaids$14,685Not just lender fees.
Before credits & paid funds$434,857The complete starting cash picture.
Estimated remaining funds due at closing
$434,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$420,171.82
Your down payment$420,171.82
Closing costs + prepaids$14,684.88
Total buyer cash needed$434,856.70
Remaining funds due$434,856.70
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%)$1,149.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.75
Prepaid interest, first (23 days)$419.99
Fees + prepaids$14,684.88
Your down payment is the seller’s equity. You take over the $229,828 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $434,856.70 is due at closing. Uses and sources reconcile at $664,684.88 each. Not a Closing Disclosure.