Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$543,358Cash toward the purchase price.
Closing costs + prepaids$14,682Not just lender fees.
Before credits & paid funds$558,040The complete starting cash picture.
Estimated remaining funds due at closing
$558,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$543,358.43
Your down payment$543,358.43
Closing costs + prepaids$14,681.58
Total buyer cash needed$558,040.01
Remaining funds due$558,040.01
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%)$608.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,342.50
Prepaid interest, first (30 days)$612.87
Fees + prepaids$14,681.58
Your down payment is the seller’s equity. You take over the $121,642 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $558,040.01 is due at closing. Uses and sources reconcile at $679,681.58 each. Not a Closing Disclosure.