Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$323,982Cash toward the purchase price.
Closing costs + prepaids$16,214Not just lender fees.
Before credits & paid funds$340,196The complete starting cash picture.
Estimated remaining funds due at closing
$340,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,981.84
Your down payment$323,981.84
Closing costs + prepaids$16,213.74
Total buyer cash needed$340,195.59
Remaining funds due$340,195.59
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%)$1,630.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,945.75
Prepaid interest, first (25 days)$669.90
Fees + prepaids$16,213.74
Your down payment is the seller’s equity. You take over the $326,018 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $340,195.59 is due at closing. Uses and sources reconcile at $666,213.74 each. Not a Closing Disclosure.