Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$151,090Cash toward the purchase price.
Closing costs + prepaids$18,554Not just lender fees.
Before credits & paid funds$169,645The complete starting cash picture.
Estimated remaining funds due at closing
$169,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,090.16
Your down payment$151,090.16
Closing costs + prepaids$18,554.48
Total buyer cash needed$169,644.65
Remaining funds due$169,644.65
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%)$2,569.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.75
Initial HOA (3 months)$129.99
Prepaid interest, first (31 days)$2,994.19
Fees + prepaids$18,554.48
Your down payment is the seller’s equity. You take over the $513,910 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $169,644.65 is due at closing. Uses and sources reconcile at $683,554.48 each. Not a Closing Disclosure.