Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$191,473Cash toward the purchase price.
Closing costs + prepaids$17,455Not just lender fees.
Before credits & paid funds$208,928The complete starting cash picture.
Estimated remaining funds due at closing
$208,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,472.71
Your down payment$191,472.71
Closing costs + prepaids$17,454.85
Total buyer cash needed$208,927.56
Remaining funds due$208,927.56
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%)$2,292.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,913.75
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$1,100.47
Fees + prepaids$17,454.85
Your down payment is the seller’s equity. You take over the $458,527 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $208,927.56 is due at closing. Uses and sources reconcile at $667,454.85 each. Not a Closing Disclosure.