Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$165,863Cash toward the purchase price.
Closing costs + prepaids$16,689Not just lender fees.
Before credits & paid funds$182,552The complete starting cash picture.
Estimated remaining funds due at closing
$182,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,863.33
Your down payment$165,863.33
Closing costs + prepaids$16,688.51
Total buyer cash needed$182,551.84
Remaining funds due$182,551.84
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%)$6,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,390.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.50
Initial HOA (3 months)$471.00
Prepaid interest, first (31 days)$1,222.33
Fees + prepaids$16,688.51
Your down payment is the seller’s equity. You take over the $478,137 balance, so the rest of the $644,000 price is paid at closing. A second mortgage can cover part of it. $182,551.84 is due at closing. Uses and sources reconcile at $660,688.51 each. Not a Closing Disclosure.