Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$204,762Cash toward the purchase price.
Closing costs + prepaids$15,612Not just lender fees.
Before credits & paid funds$220,374The complete starting cash picture.
Estimated remaining funds due at closing
$220,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,761.98
Your down payment$204,761.98
Closing costs + prepaids$15,611.74
Total buyer cash needed$220,373.72
Remaining funds due$220,373.72
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%)$2,226.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$946.25
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$33.30
Fees + prepaids$15,611.74
Your down payment is the seller’s equity. You take over the $445,238 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $220,373.72 is due at closing. Uses and sources reconcile at $665,611.74 each. Not a Closing Disclosure.