Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$203,966Cash toward the purchase price.
Closing costs + prepaids$15,630Not just lender fees.
Before credits & paid funds$219,596The complete starting cash picture.
Estimated remaining funds due at closing
$219,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,965.76
Your down payment$203,965.76
Closing costs + prepaids$15,630.17
Total buyer cash needed$219,595.93
Remaining funds due$219,595.93
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%)$2,230.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Initial HOA (3 months)$215.01
Prepaid interest, first (12 days)$436.99
Fees + prepaids$15,630.17
Your down payment is the seller’s equity. You take over the $446,034 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $219,595.93 is due at closing. Uses and sources reconcile at $665,630.17 each. Not a Closing Disclosure.