Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,437Cash toward the purchase price.
Closing costs + prepaids$18,683Not just lender fees.
Before credits & paid funds$171,120The complete starting cash picture.
Estimated remaining funds due at closing
$171,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,437.06
Your down payment$152,437.06
Closing costs + prepaids$18,682.61
Total buyer cash needed$171,119.67
Remaining funds due$171,119.67
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,487.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,309.00
Initial HOA (3 months)$96.00
Prepaid interest, first (30 days)$2,821.80
Fees + prepaids$18,682.61
Your down payment is the seller’s equity. You take over the $497,563 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $171,119.67 is due at closing. Uses and sources reconcile at $668,682.61 each. Not a Closing Disclosure.