Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$556,853Cash toward the purchase price.
Closing costs + prepaids$14,474Not just lender fees.
Before credits & paid funds$571,327The complete starting cash picture.
Estimated remaining funds due at closing
$571,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$556,853.08
Your down payment$556,853.08
Closing costs + prepaids$14,473.95
Total buyer cash needed$571,327.03
Remaining funds due$571,327.03
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%)$465.73
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)$1,176.00
Prepaid interest, first (12 days)$84.22
Fees + prepaids$14,473.95
Your down payment is the seller’s equity. You take over the $93,147 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $571,327.03 is due at closing. Uses and sources reconcile at $664,473.95 each. Not a Closing Disclosure.