Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,103Cash toward the purchase price.
Closing costs + prepaids$18,887Not just lender fees.
Before credits & paid funds$205,990The complete starting cash picture.
Estimated remaining funds due at closing
$205,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,102.83
Your down payment$187,102.83
Closing costs + prepaids$18,887.14
Total buyer cash needed$205,989.98
Remaining funds due$205,989.98
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%)$2,314.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Initial HOA (3 months)$810.00
Prepaid interest, first (26 days)$2,169.66
Fees + prepaids$18,887.14
Your down payment is the seller’s equity. You take over the $462,897 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $205,989.98 is due at closing. Uses and sources reconcile at $668,887.14 each. Not a Closing Disclosure.