Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$477,245Cash toward the purchase price.
Closing costs + prepaids$16,224Not just lender fees.
Before credits & paid funds$493,469The complete starting cash picture.
Estimated remaining funds due at closing
$493,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,245.12
Your down payment$477,245.12
Closing costs + prepaids$16,224.17
Total buyer cash needed$493,469.30
Remaining funds due$493,469.30
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%)$858.77
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)$1,446.00
Prepaid interest, first (26 days)$338.90
Fees + prepaids$16,224.17
Your down payment is the seller’s equity. You take over the $171,755 balance, so the rest of the $649,000 price is paid at closing. A second mortgage can cover part of it. $493,469.30 is due at closing. Uses and sources reconcile at $665,224.17 each. Not a Closing Disclosure.