Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,586Cash toward the purchase price.
Closing costs + prepaids$19,289Not just lender fees.
Before credits & paid funds$69,875The complete starting cash picture.
Estimated remaining funds due at closing
$69,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,586.14
Your down payment$50,586.14
Closing costs + prepaids$19,288.96
Total buyer cash needed$69,875.10
Remaining funds due$69,875.10
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%)$2,997.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,150.75
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$3,148.15
Fees + prepaids$19,288.96
Your down payment is the seller’s equity. You take over the $599,414 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $69,875.10 is due at closing. Uses and sources reconcile at $669,288.96 each. Not a Closing Disclosure.