Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$282,575Cash toward the purchase price.
Closing costs + prepaids$16,065Not just lender fees.
Before credits & paid funds$298,641The complete starting cash picture.
Estimated remaining funds due at closing
$298,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,575.43
Your down payment$282,575.43
Closing costs + prepaids$16,065.07
Total buyer cash needed$298,640.51
Remaining funds due$298,640.51
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%)$1,837.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$733.75
Initial HOA (3 months)$420.00
Prepaid interest, first (27 days)$1,106.20
Fees + prepaids$16,065.07
Your down payment is the seller’s equity. You take over the $367,425 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $298,640.51 is due at closing. Uses and sources reconcile at $666,065.07 each. Not a Closing Disclosure.