Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$232,872Cash toward the purchase price.
Closing costs + prepaids$15,527Not just lender fees.
Before credits & paid funds$248,400The complete starting cash picture.
Estimated remaining funds due at closing
$248,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,872.19
Your down payment$232,872.19
Closing costs + prepaids$15,527.38
Total buyer cash needed$248,399.56
Remaining funds due$248,399.56
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%)$2,085.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$812.50
Initial HOA (3 months)$120.00
Prepaid interest, first (16 days)$541.24
Fees + prepaids$15,527.38
Your down payment is the seller’s equity. You take over the $417,128 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $248,399.56 is due at closing. Uses and sources reconcile at $665,527.38 each. Not a Closing Disclosure.