Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$518,352Cash toward the purchase price.
Closing costs + prepaids$14,757Not just lender fees.
Before credits & paid funds$533,109The complete starting cash picture.
Estimated remaining funds due at closing
$533,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$518,352.00
Your down payment$518,352.00
Closing costs + prepaids$14,756.86
Total buyer cash needed$533,108.87
Remaining funds due$533,108.87
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%)$6,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$653.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,622.50
Initial HOA (3 months)$131.25
Prepaid interest, first (28 days)$391.87
Fees + prepaids$14,756.86
Your down payment is the seller’s equity. You take over the $130,648 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $533,108.87 is due at closing. Uses and sources reconcile at $663,756.86 each. Not a Closing Disclosure.