Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$334,081Cash toward the purchase price.
Closing costs + prepaids$14,431Not just lender fees.
Before credits & paid funds$348,511The complete starting cash picture.
Estimated remaining funds due at closing
$348,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$334,080.77
Your down payment$334,080.77
Closing costs + prepaids$14,430.55
Total buyer cash needed$348,511.32
Remaining funds due$348,511.32
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%)$1,579.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$343.75
Initial HOA (3 months)$489.00
Prepaid interest, first (2 days)$50.20
Fees + prepaids$14,430.55
Your down payment is the seller’s equity. You take over the $315,919 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $348,511.32 is due at closing. Uses and sources reconcile at $664,430.55 each. Not a Closing Disclosure.