Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$394,182Cash toward the purchase price.
Closing costs + prepaids$14,723Not just lender fees.
Before credits & paid funds$408,904The complete starting cash picture.
Estimated remaining funds due at closing
$408,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$394,181.60
Your down payment$394,181.60
Closing costs + prepaids$14,722.60
Total buyer cash needed$408,904.20
Remaining funds due$408,904.20
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%)$1,279.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.50
Initial HOA (3 months)$54.75
Prepaid interest, first (21 days)$587.26
Fees + prepaids$14,722.60
Your down payment is the seller’s equity. You take over the $255,818 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $408,904.20 is due at closing. Uses and sources reconcile at $664,722.60 each. Not a Closing Disclosure.