Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,860Cash toward the purchase price.
Closing costs + prepaids$17,636Not just lender fees.
Before credits & paid funds$156,496The complete starting cash picture.
Estimated remaining funds due at closing
$156,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,860.27
Your down payment$138,860.27
Closing costs + prepaids$17,635.60
Total buyer cash needed$156,495.87
Remaining funds due$156,495.87
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,600.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$774.75
Initial HOA (3 months)$360.00
Prepaid interest, first (31 days)$1,842.15
Fees + prepaids$17,635.60
Your down payment is the seller’s equity. You take over the $520,140 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $156,495.87 is due at closing. Uses and sources reconcile at $676,635.60 each. Not a Closing Disclosure.