Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$368,765Cash toward the purchase price.
Closing costs + prepaids$13,962Not just lender fees.
Before credits & paid funds$382,727The complete starting cash picture.
Estimated remaining funds due at closing
$382,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,765.04
Your down payment$368,765.04
Closing costs + prepaids$13,961.87
Total buyer cash needed$382,726.91
Remaining funds due$382,726.91
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%)$1,406.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$539.00
Prepaid interest, first (1 days)$48.70
Fees + prepaids$13,961.87
Your down payment is the seller’s equity. You take over the $281,235 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $382,726.91 is due at closing. Uses and sources reconcile at $663,961.87 each. Not a Closing Disclosure.