Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$332,943Cash toward the purchase price.
Closing costs + prepaids$15,443Not just lender fees.
Before credits & paid funds$348,386The complete starting cash picture.
Estimated remaining funds due at closing
$348,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,943.49
Your down payment$332,943.49
Closing costs + prepaids$15,442.94
Total buyer cash needed$348,386.43
Remaining funds due$348,386.43
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,584.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,276.00
Prepaid interest, first (23 days)$615.16
Fees + prepaids$15,442.94
Your down payment is the seller’s equity. You take over the $316,957 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $348,386.43 is due at closing. Uses and sources reconcile at $665,342.94 each. Not a Closing Disclosure.