Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$174,893Cash toward the purchase price.
Closing costs + prepaids$17,273Not just lender fees.
Before credits & paid funds$192,166The complete starting cash picture.
Estimated remaining funds due at closing
$192,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,892.83
Your down payment$174,892.83
Closing costs + prepaids$17,273.20
Total buyer cash needed$192,166.03
Remaining funds due$192,166.03
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%)$6,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,450.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.25
Prepaid interest, first (27 days)$1,043.92
Fees + prepaids$17,273.20
Your down payment is the seller’s equity. You take over the $490,007 balance, so the rest of the $664,900 price is paid at closing. A second mortgage can cover part of it. $192,166.03 is due at closing. Uses and sources reconcile at $682,173.20 each. Not a Closing Disclosure.