Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$281,754Cash toward the purchase price.
Closing costs + prepaids$15,004Not just lender fees.
Before credits & paid funds$296,758The complete starting cash picture.
Estimated remaining funds due at closing
$296,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,753.88
Your down payment$281,753.88
Closing costs + prepaids$15,004.04
Total buyer cash needed$296,757.92
Remaining funds due$296,757.92
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%)$1,841.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$733.75
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$41.06
Fees + prepaids$15,004.04
Your down payment is the seller’s equity. You take over the $368,246 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $296,757.92 is due at closing. Uses and sources reconcile at $665,004.04 each. Not a Closing Disclosure.