Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$179,673Cash toward the purchase price.
Closing costs + prepaids$16,515Not just lender fees.
Before credits & paid funds$196,188The complete starting cash picture.
Estimated remaining funds due at closing
$196,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,673.05
Your down payment$179,673.05
Closing costs + prepaids$16,515.20
Total buyer cash needed$196,188.25
Remaining funds due$196,188.25
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%)$2,426.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$419.75
Initial HOA (3 months)$474.99
Prepaid interest, first (29 days)$1,075.83
Fees + prepaids$16,515.20
Your down payment is the seller’s equity. You take over the $485,327 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $196,188.25 is due at closing. Uses and sources reconcile at $681,515.20 each. Not a Closing Disclosure.