Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,287Cash toward the purchase price.
Closing costs + prepaids$19,859Not just lender fees.
Before credits & paid funds$122,146The complete starting cash picture.
Estimated remaining funds due at closing
$122,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,287.23
Your down payment$102,287.23
Closing costs + prepaids$19,858.91
Total buyer cash needed$122,146.15
Remaining funds due$122,146.15
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%)$2,813.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.50
Initial HOA (3 months)$93.00
Prepaid interest, first (27 days)$3,171.85
Fees + prepaids$19,858.91
Your down payment is the seller’s equity. You take over the $562,713 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $122,146.15 is due at closing. Uses and sources reconcile at $684,858.91 each. Not a Closing Disclosure.