Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$435,524Cash toward the purchase price.
Closing costs + prepaids$15,139Not just lender fees.
Before credits & paid funds$450,663The complete starting cash picture.
Estimated remaining funds due at closing
$450,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,523.79
Your down payment$435,523.79
Closing costs + prepaids$15,139.23
Total buyer cash needed$450,663.02
Remaining funds due$450,663.02
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%)$1,072.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.00
Prepaid interest, first (28 days)$473.85
Fees + prepaids$15,139.23
Your down payment is the seller’s equity. You take over the $214,476 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $450,663.02 is due at closing. Uses and sources reconcile at $665,139.23 each. Not a Closing Disclosure.