Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$365,782Cash toward the purchase price.
Closing costs + prepaids$14,395Not just lender fees.
Before credits & paid funds$380,178The complete starting cash picture.
Estimated remaining funds due at closing
$380,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,782.43
Your down payment$365,782.43
Closing costs + prepaids$14,395.29
Total buyer cash needed$380,177.72
Remaining funds due$380,177.72
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%)$1,421.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$210.75
Initial HOA (3 months)$125.01
Prepaid interest, first (30 days)$670.44
Fees + prepaids$14,395.29
Your down payment is the seller’s equity. You take over the $284,218 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $380,177.72 is due at closing. Uses and sources reconcile at $664,395.29 each. Not a Closing Disclosure.