Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,839Cash toward the purchase price.
Closing costs + prepaids$16,779Not just lender fees.
Before credits & paid funds$210,617The complete starting cash picture.
Estimated remaining funds due at closing
$210,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,838.53
Your down payment$193,838.53
Closing costs + prepaids$16,778.81
Total buyer cash needed$210,617.33
Remaining funds due$210,617.33
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%)$2,280.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,062.00
Initial HOA (3 months)$174.00
Prepaid interest, first (31 days)$1,294.00
Fees + prepaids$16,778.81
Your down payment is the seller’s equity. You take over the $456,161 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $210,617.33 is due at closing. Uses and sources reconcile at $666,778.81 each. Not a Closing Disclosure.