Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$486,466Cash toward the purchase price.
Closing costs + prepaids$13,817Not just lender fees.
Before credits & paid funds$500,283The complete starting cash picture.
Estimated remaining funds due at closing
$500,283No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$486,465.96
Your down payment$486,465.96
Closing costs + prepaids$13,817.30
Total buyer cash needed$500,283.27
Remaining funds due$500,283.27
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$892.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$436.75
Prepaid interest, first (19 days)$369.88
Fees + prepaids$13,817.30
Your down payment is the seller’s equity. You take over the $178,534 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $500,283.27 is due at closing. Uses and sources reconcile at $678,817.30 each. Not a Closing Disclosure.