Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$477,580Cash toward the purchase price.
Closing costs + prepaids$14,283Not just lender fees.
Before credits & paid funds$491,862The complete starting cash picture.
Estimated remaining funds due at closing
$491,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$477,579.77
Your down payment$477,579.77
Closing costs + prepaids$14,282.69
Total buyer cash needed$491,862.47
Remaining funds due$491,862.47
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%)$862.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$687.50
Initial HOA (3 months)$125.01
Prepaid interest, first (25 days)$640.08
Fees + prepaids$14,282.69
Your down payment is the seller’s equity. You take over the $172,420 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $491,862.47 is due at closing. Uses and sources reconcile at $664,282.69 each. Not a Closing Disclosure.