Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$284,381Cash toward the purchase price.
Closing costs + prepaids$17,648Not just lender fees.
Before credits & paid funds$302,028The complete starting cash picture.
Estimated remaining funds due at closing
$302,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,380.70
Your down payment$284,380.70
Closing costs + prepaids$17,647.57
Total buyer cash needed$302,028.27
Remaining funds due$302,028.27
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%)$1,828.10
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 (31 days)$2,226.47
Fees + prepaids$17,647.57
Your down payment is the seller’s equity. You take over the $365,619 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $302,028.27 is due at closing. Uses and sources reconcile at $667,647.57 each. Not a Closing Disclosure.