Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$159,393Cash toward the purchase price.
Closing costs + prepaids$17,908Not just lender fees.
Before credits & paid funds$177,301The complete starting cash picture.
Estimated remaining funds due at closing
$177,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,392.67
Your down payment$159,392.67
Closing costs + prepaids$17,907.84
Total buyer cash needed$177,300.51
Remaining funds due$177,300.51
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,548.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,534.50
Initial HOA (3 months)$270.00
Prepaid interest, first (24 days)$1,397.30
Fees + prepaids$17,907.84
Your down payment is the seller’s equity. You take over the $509,607 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $177,300.51 is due at closing. Uses and sources reconcile at $686,907.84 each. Not a Closing Disclosure.