Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$281,942Cash toward the purchase price.
Closing costs + prepaids$16,150Not just lender fees.
Before credits & paid funds$298,092The complete starting cash picture.
Estimated remaining funds due at closing
$298,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,942.12
Your down payment$281,942.12
Closing costs + prepaids$16,149.91
Total buyer cash needed$298,092.03
Remaining funds due$298,092.03
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%)$1,840.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$962.00
Initial HOA (3 months)$318.00
Prepaid interest, first (28 days)$1,061.62
Fees + prepaids$16,149.91
Your down payment is the seller’s equity. You take over the $368,058 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $298,092.03 is due at closing. Uses and sources reconcile at $666,149.91 each. Not a Closing Disclosure.