Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$159,393Cash toward the purchase price.
Closing costs + prepaids$16,477Not just lender fees.
Before credits & paid funds$175,870The complete starting cash picture.
Estimated remaining funds due at closing
$175,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,392.67
Your down payment$159,392.67
Closing costs + prepaids$16,477.44
Total buyer cash needed$175,870.11
Remaining funds due$175,870.11
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,548.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$802.75
Initial HOA (3 months)$270.00
Prepaid interest, first (12 days)$698.65
Fees + prepaids$16,477.44
Your down payment is the seller’s equity. You take over the $509,607 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $175,870.11 is due at closing. Uses and sources reconcile at $685,477.44 each. Not a Closing Disclosure.