Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$393,604Cash toward the purchase price.
Closing costs + prepaids$14,166Not just lender fees.
Before credits & paid funds$407,770The complete starting cash picture.
Estimated remaining funds due at closing
$407,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,603.60
Your down payment$393,603.60
Closing costs + prepaids$14,166.26
Total buyer cash needed$407,769.86
Remaining funds due$407,769.86
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%)$1,281.98
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 (1 days)$28.03
Fees + prepaids$14,166.26
Your down payment is the seller’s equity. You take over the $256,396 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $407,769.86 is due at closing. Uses and sources reconcile at $664,166.26 each. Not a Closing Disclosure.