Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$374,411Cash toward the purchase price.
Closing costs + prepaids$14,459Not just lender fees.
Before credits & paid funds$388,869The complete starting cash picture.
Estimated remaining funds due at closing
$388,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$374,410.70
Your down payment$374,410.70
Closing costs + prepaids$14,458.71
Total buyer cash needed$388,869.42
Remaining funds due$388,869.42
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%)$1,377.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.50
Initial HOA (3 months)$22.50
Prepaid interest, first (22 days)$466.77
Fees + prepaids$14,458.71
Your down payment is the seller’s equity. You take over the $275,589 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $388,869.42 is due at closing. Uses and sources reconcile at $664,458.71 each. Not a Closing Disclosure.