Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$154,964Cash toward the purchase price.
Closing costs + prepaids$17,403Not just lender fees.
Before credits & paid funds$172,367The complete starting cash picture.
Estimated remaining funds due at closing
$172,367No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,964.11
Your down payment$154,964.11
Closing costs + prepaids$17,403.00
Total buyer cash needed$172,367.11
Remaining funds due$172,367.11
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%)$2,475.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$407.75
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,252.07
Fees + prepaids$17,403.00
Your down payment is the seller’s equity. You take over the $495,036 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $172,367.11 is due at closing. Uses and sources reconcile at $667,403.00 each. Not a Closing Disclosure.