Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$376,707Cash toward the purchase price.
Closing costs + prepaids$15,506Not just lender fees.
Before credits & paid funds$392,213The complete starting cash picture.
Estimated remaining funds due at closing
$392,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$376,707.28
Your down payment$376,707.28
Closing costs + prepaids$15,506.07
Total buyer cash needed$392,213.35
Remaining funds due$392,213.35
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%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,365.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,330.75
Initial HOA (3 months)$350.01
Prepaid interest, first (22 days)$492.35
Fees + prepaids$15,506.07
Your down payment is the seller’s equity. You take over the $273,193 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $392,213.35 is due at closing. Uses and sources reconcile at $665,406.07 each. Not a Closing Disclosure.