Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,882Cash toward the purchase price.
Closing costs + prepaids$17,623Not just lender fees.
Before credits & paid funds$159,505The complete starting cash picture.
Estimated remaining funds due at closing
$159,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,881.96
Your down payment$141,881.96
Closing costs + prepaids$17,622.93
Total buyer cash needed$159,504.89
Remaining funds due$159,504.89
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,585.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$496.75
Prepaid interest, first (27 days)$2,482.59
Fees + prepaids$17,622.93
Your down payment is the seller’s equity. You take over the $517,118 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $159,504.89 is due at closing. Uses and sources reconcile at $676,622.93 each. Not a Closing Disclosure.