Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$161,493Cash toward the purchase price.
Closing costs + prepaids$19,226Not just lender fees.
Before credits & paid funds$180,720The complete starting cash picture.
Estimated remaining funds due at closing
$180,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,493.43
Your down payment$161,493.43
Closing costs + prepaids$19,226.27
Total buyer cash needed$180,719.70
Remaining funds due$180,719.70
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,617.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,712.50
Prepaid interest, first (28 days)$2,578.23
Fees + prepaids$19,226.27
Your down payment is the seller’s equity. You take over the $523,507 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $180,719.70 is due at closing. Uses and sources reconcile at $704,226.27 each. Not a Closing Disclosure.