Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$189,340Cash toward the purchase price.
Closing costs + prepaids$18,285Not just lender fees.
Before credits & paid funds$207,625The complete starting cash picture.
Estimated remaining funds due at closing
$207,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,339.68
Your down payment$189,339.68
Closing costs + prepaids$18,285.11
Total buyer cash needed$207,624.79
Remaining funds due$207,624.79
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%)$2,378.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,021.25
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$2,755.05
Fees + prepaids$18,285.11
Your down payment is the seller’s equity. You take over the $475,660 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $207,624.79 is due at closing. Uses and sources reconcile at $683,285.11 each. Not a Closing Disclosure.