Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$502,808Cash toward the purchase price.
Closing costs + prepaids$13,487Not just lender fees.
Before credits & paid funds$516,295The complete starting cash picture.
Estimated remaining funds due at closing
$516,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$502,808.17
Your down payment$502,808.17
Closing costs + prepaids$13,487.03
Total buyer cash needed$516,295.20
Remaining funds due$516,295.20
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%)$735.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$364.00
Prepaid interest, first (24 days)$419.07
Fees + prepaids$13,487.03
Your down payment is the seller’s equity. You take over the $147,192 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $516,295.20 is due at closing. Uses and sources reconcile at $663,487.03 each. Not a Closing Disclosure.