Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$163,657Cash toward the purchase price.
Closing costs + prepaids$17,236Not just lender fees.
Before credits & paid funds$180,893The complete starting cash picture.
Estimated remaining funds due at closing
$180,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,657.02
Your down payment$163,657.02
Closing costs + prepaids$17,236.23
Total buyer cash needed$180,893.25
Remaining funds due$180,893.25
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,481.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$330.25
Prepaid interest, first (26 days)$2,357.77
Fees + prepaids$17,236.23
Your down payment is the seller’s equity. You take over the $496,243 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $180,893.25 is due at closing. Uses and sources reconcile at $677,136.23 each. Not a Closing Disclosure.