Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$274,679Cash toward the purchase price.
Closing costs + prepaids$16,869Not just lender fees.
Before credits & paid funds$291,548The complete starting cash picture.
Estimated remaining funds due at closing
$291,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,679.39
Your down payment$274,679.39
Closing costs + prepaids$16,868.82
Total buyer cash needed$291,548.21
Remaining funds due$291,548.21
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%)$1,876.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,330.75
Prepaid interest, first (24 days)$693.47
Fees + prepaids$16,868.82
Your down payment is the seller’s equity. You take over the $375,321 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $291,548.21 is due at closing. Uses and sources reconcile at $666,868.82 each. Not a Closing Disclosure.