Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$165,863Cash toward the purchase price.
Closing costs + prepaids$15,897Not just lender fees.
Before credits & paid funds$181,761The complete starting cash picture.
Estimated remaining funds due at closing
$181,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,863.33
Your down payment$165,863.33
Closing costs + prepaids$15,897.30
Total buyer cash needed$181,760.63
Remaining funds due$181,760.63
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%)$6,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,390.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$772.75
Initial HOA (3 months)$471.00
Prepaid interest, first (9 days)$354.87
Fees + prepaids$15,897.30
Your down payment is the seller’s equity. You take over the $478,137 balance, so the rest of the $644,000 price is paid at closing. A second mortgage can cover part of it. $181,760.63 is due at closing. Uses and sources reconcile at $659,897.30 each. Not a Closing Disclosure.