Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$143,753Cash toward the purchase price.
Closing costs + prepaids$16,985Not just lender fees.
Before credits & paid funds$160,738The complete starting cash picture.
Estimated remaining funds due at closing
$160,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,753.41
Your down payment$143,753.41
Closing costs + prepaids$16,984.89
Total buyer cash needed$160,738.30
Remaining funds due$160,738.30
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,631.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$234.00
Prepaid interest, first (23 days)$961.66
Fees + prepaids$16,984.89
Your down payment is the seller’s equity. You take over the $526,247 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $160,738.30 is due at closing. Uses and sources reconcile at $686,984.89 each. Not a Closing Disclosure.