Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$143,582Cash toward the purchase price.
Closing costs + prepaids$16,461Not just lender fees.
Before credits & paid funds$160,044The complete starting cash picture.
Estimated remaining funds due at closing
$160,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,582.48
Your down payment$143,582.48
Closing costs + prepaids$16,461.18
Total buyer cash needed$160,043.65
Remaining funds due$160,043.65
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%)$6,647.89
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,606.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,662.00
Prepaid interest, first (1 days)$77.25
Fees + prepaids$16,461.18
Your down payment is the seller’s equity. You take over the $521,207 balance, so the rest of the $664,789 price is paid at closing. A second mortgage can cover part of it. $160,043.65 is due at closing. Uses and sources reconcile at $681,250.18 each. Not a Closing Disclosure.