Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$397,830Cash toward the purchase price.
Closing costs + prepaids$13,716Not just lender fees.
Before credits & paid funds$411,546The complete starting cash picture.
Estimated remaining funds due at closing
$411,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$397,830.35
Your down payment$397,830.35
Closing costs + prepaids$13,716.03
Total buyer cash needed$411,546.39
Remaining funds due$411,546.39
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%)$1,260.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$447.25
Prepaid interest, first (2 days)$39.93
Fees + prepaids$13,716.03
Your down payment is the seller’s equity. You take over the $252,170 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $411,546.39 is due at closing. Uses and sources reconcile at $663,716.03 each. Not a Closing Disclosure.