Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$122,777Cash toward the purchase price.
Closing costs + prepaids$17,592Not just lender fees.
Before credits & paid funds$140,369The complete starting cash picture.
Estimated remaining funds due at closing
$140,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,776.96
Your down payment$122,776.96
Closing costs + prepaids$17,592.40
Total buyer cash needed$140,369.36
Remaining funds due$140,369.36
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%)$2,711.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.50
Prepaid interest, first (26 days)$1,100.79
Fees + prepaids$17,592.40
Your down payment is the seller’s equity. You take over the $542,223 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $140,369.36 is due at closing. Uses and sources reconcile at $682,592.40 each. Not a Closing Disclosure.