Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$151,355Cash toward the purchase price.
Closing costs + prepaids$16,386Not just lender fees.
Before credits & paid funds$167,741The complete starting cash picture.
Estimated remaining funds due at closing
$167,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,354.80
Your down payment$151,354.80
Closing costs + prepaids$16,386.46
Total buyer cash needed$167,741.27
Remaining funds due$167,741.27
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%)$2,568.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Initial HOA (3 months)$60.00
Prepaid interest, first (9 days)$842.24
Fees + prepaids$16,386.46
Your down payment is the seller’s equity. You take over the $513,645 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $167,741.27 is due at closing. Uses and sources reconcile at $681,386.46 each. Not a Closing Disclosure.