Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$151,758Cash toward the purchase price.
Closing costs + prepaids$17,083Not just lender fees.
Before credits & paid funds$168,841The complete starting cash picture.
Estimated remaining funds due at closing
$168,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,757.94
Your down payment$151,757.94
Closing costs + prepaids$17,083.28
Total buyer cash needed$168,841.22
Remaining funds due$168,841.22
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%)$2,566.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Prepaid interest, first (29 days)$1,733.07
Fees + prepaids$17,083.28
Your down payment is the seller’s equity. You take over the $513,242 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $168,841.22 is due at closing. Uses and sources reconcile at $682,083.28 each. Not a Closing Disclosure.