Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$151,355Cash toward the purchase price.
Closing costs + prepaids$16,480Not just lender fees.
Before credits & paid funds$167,835The complete starting cash picture.
Estimated remaining funds due at closing
$167,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,354.80
Your down payment$151,354.80
Closing costs + prepaids$16,480.05
Total buyer cash needed$167,834.85
Remaining funds due$167,834.85
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%)$2,568.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Initial HOA (3 months)$60.00
Prepaid interest, first (10 days)$935.82
Fees + prepaids$16,480.05
Your down payment is the seller’s equity. You take over the $513,645 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $167,834.85 is due at closing. Uses and sources reconcile at $681,480.05 each. Not a Closing Disclosure.