Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$287,827Cash toward the purchase price.
Closing costs + prepaids$16,711Not just lender fees.
Before credits & paid funds$304,538The complete starting cash picture.
Estimated remaining funds due at closing
$304,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,827.16
Your down payment$287,827.16
Closing costs + prepaids$16,711.07
Total buyer cash needed$304,538.23
Remaining funds due$304,538.23
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%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,194.50
Initial HOA (3 months)$867.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$16,711.07
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $304,538.23 is due at closing. Uses and sources reconcile at $666,711.07 each. Not a Closing Disclosure.