Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$332,007Cash toward the purchase price.
Closing costs + prepaids$15,583Not just lender fees.
Before credits & paid funds$347,590The complete starting cash picture.
Estimated remaining funds due at closing
$347,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,007.21
Your down payment$332,007.21
Closing costs + prepaids$15,583.13
Total buyer cash needed$347,590.34
Remaining funds due$347,590.34
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%)$1,589.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$719.75
Initial HOA (3 months)$24.99
Prepaid interest, first (23 days)$1,280.42
Fees + prepaids$15,583.13
Your down payment is the seller’s equity. You take over the $317,993 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $347,590.34 is due at closing. Uses and sources reconcile at $665,583.13 each. Not a Closing Disclosure.