Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$161,864Cash toward the purchase price.
Closing costs + prepaids$17,891Not just lender fees.
Before credits & paid funds$179,755The complete starting cash picture.
Estimated remaining funds due at closing
$179,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,863.83
Your down payment$161,863.83
Closing costs + prepaids$17,890.73
Total buyer cash needed$179,754.56
Remaining funds due$179,754.56
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%)$2,515.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$768.50
Initial HOA (3 months)$315.00
Prepaid interest, first (24 days)$2,173.55
Fees + prepaids$17,890.73
Your down payment is the seller’s equity. You take over the $503,136 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $179,754.56 is due at closing. Uses and sources reconcile at $682,890.73 each. Not a Closing Disclosure.