Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$305,651Cash toward the purchase price.
Closing costs + prepaids$15,179Not just lender fees.
Before credits & paid funds$320,831The complete starting cash picture.
Estimated remaining funds due at closing
$320,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,651.43
Your down payment$305,651.43
Closing costs + prepaids$15,179.49
Total buyer cash needed$320,830.92
Remaining funds due$320,830.92
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%)$1,721.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$664.25
Prepaid interest, first (28 days)$825.49
Fees + prepaids$15,179.49
Your down payment is the seller’s equity. You take over the $344,349 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $320,830.92 is due at closing. Uses and sources reconcile at $665,179.49 each. Not a Closing Disclosure.