Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$151,758Cash toward the purchase price.
Closing costs + prepaids$16,199Not just lender fees.
Before credits & paid funds$167,957The complete starting cash picture.
Estimated remaining funds due at closing
$167,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,757.94
Your down payment$151,757.94
Closing costs + prepaids$16,199.34
Total buyer cash needed$167,957.28
Remaining funds due$167,957.28
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%)$2,566.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$798.00
Prepaid interest, first (12 days)$717.13
Fees + prepaids$16,199.34
Your down payment is the seller’s equity. You take over the $513,242 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $167,957.28 is due at closing. Uses and sources reconcile at $681,199.34 each. Not a Closing Disclosure.