Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$270,762Cash toward the purchase price.
Closing costs + prepaids$15,003Not just lender fees.
Before credits & paid funds$285,765The complete starting cash picture.
Estimated remaining funds due at closing
$285,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,762.20
Your down payment$270,762.20
Closing costs + prepaids$15,003.27
Total buyer cash needed$285,765.47
Remaining funds due$285,765.47
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%)$1,896.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$780.00
Prepaid interest, first (12 days)$359.08
Fees + prepaids$15,003.27
Your down payment is the seller’s equity. You take over the $379,238 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $285,765.47 is due at closing. Uses and sources reconcile at $665,003.27 each. Not a Closing Disclosure.