Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$181,964Cash toward the purchase price.
Closing costs + prepaids$16,850Not just lender fees.
Before credits & paid funds$198,814The complete starting cash picture.
Estimated remaining funds due at closing
$198,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,964.23
Your down payment$181,964.23
Closing costs + prepaids$16,849.57
Total buyer cash needed$198,813.80
Remaining funds due$198,813.80
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%)$2,340.18
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)$1,329.00
Prepaid interest, first (12 days)$432.39
Fees + prepaids$16,849.57
Your down payment is the seller’s equity. You take over the $468,036 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $198,813.80 is due at closing. Uses and sources reconcile at $666,849.57 each. Not a Closing Disclosure.