Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,846Cash toward the purchase price.
Closing costs + prepaids$17,107Not just lender fees.
Before credits & paid funds$160,953The complete starting cash picture.
Estimated remaining funds due at closing
$160,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,846.31
Your down payment$143,846.31
Closing costs + prepaids$17,107.00
Total buyer cash needed$160,953.32
Remaining funds due$160,953.32
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%)$6,758.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,659.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$784.75
Initial HOA (3 months)$185.01
Prepaid interest, first (31 days)$1,251.48
Fees + prepaids$17,107.00
Your down payment is the seller’s equity. You take over the $531,954 balance, so the rest of the $675,800 price is paid at closing. A second mortgage can cover part of it. $160,953.32 is due at closing. Uses and sources reconcile at $692,907.00 each. Not a Closing Disclosure.