Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$326,642Cash toward the purchase price.
Closing costs + prepaids$16,482Not just lender fees.
Before credits & paid funds$343,125The complete starting cash picture.
Estimated remaining funds due at closing
$343,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$326,642.45
Your down payment$326,642.45
Closing costs + prepaids$16,482.25
Total buyer cash needed$343,124.70
Remaining funds due$343,124.70
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%)$1,616.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,639.50
Initial HOA (3 months)$360.00
Prepaid interest, first (28 days)$897.96
Fees + prepaids$16,482.25
Your down payment is the seller’s equity. You take over the $323,358 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $343,124.70 is due at closing. Uses and sources reconcile at $666,482.25 each. Not a Closing Disclosure.