Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$331,628Cash toward the purchase price.
Closing costs + prepaids$14,416Not just lender fees.
Before credits & paid funds$346,044The complete starting cash picture.
Estimated remaining funds due at closing
$346,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,628.04
Your down payment$331,628.04
Closing costs + prepaids$14,416.07
Total buyer cash needed$346,044.11
Remaining funds due$346,044.11
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%)$1,591.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$719.75
Initial HOA (3 months)$24.99
Prepaid interest, first (2 days)$111.47
Fees + prepaids$14,416.07
Your down payment is the seller’s equity. You take over the $318,372 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $346,044.11 is due at closing. Uses and sources reconcile at $664,416.07 each. Not a Closing Disclosure.