Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$105,692Cash toward the purchase price.
Closing costs + prepaids$17,283Not just lender fees.
Before credits & paid funds$122,975The complete starting cash picture.
Estimated remaining funds due at closing
$122,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,692.45
Your down payment$105,692.45
Closing costs + prepaids$17,282.62
Total buyer cash needed$122,975.07
Remaining funds due$122,975.07
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%)$2,796.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$256.50
Prepaid interest, first (26 days)$2,111.58
Fees + prepaids$17,282.62
Your down payment is the seller’s equity. You take over the $559,308 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $122,975.07 is due at closing. Uses and sources reconcile at $682,282.62 each. Not a Closing Disclosure.