Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$293,604Cash toward the purchase price.
Closing costs + prepaids$16,239Not just lender fees.
Before credits & paid funds$309,843The complete starting cash picture.
Estimated remaining funds due at closing
$309,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,604.40
Your down payment$293,604.40
Closing costs + prepaids$16,238.87
Total buyer cash needed$309,843.27
Remaining funds due$309,843.27
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%)$1,781.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,157.75
Initial HOA (3 months)$315.00
Prepaid interest, first (25 days)$1,017.64
Fees + prepaids$16,238.87
Your down payment is the seller’s equity. You take over the $356,296 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $309,843.27 is due at closing. Uses and sources reconcile at $666,138.87 each. Not a Closing Disclosure.