Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,258Cash toward the purchase price.
Closing costs + prepaids$17,579Not just lender fees.
Before credits & paid funds$161,838The complete starting cash picture.
Estimated remaining funds due at closing
$161,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,258.35
Your down payment$144,258.35
Closing costs + prepaids$17,579.38
Total buyer cash needed$161,837.73
Remaining funds due$161,837.73
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%)$2,703.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,087.00
Initial HOA (3 months)$276.00
Prepaid interest, first (28 days)$1,194.67
Fees + prepaids$17,579.38
Your down payment is the seller’s equity. You take over the $540,742 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $161,837.73 is due at closing. Uses and sources reconcile at $702,579.38 each. Not a Closing Disclosure.