Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$143,753Cash toward the purchase price.
Closing costs + prepaids$17,278Not just lender fees.
Before credits & paid funds$161,031The complete starting cash picture.
Estimated remaining funds due at closing
$161,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,753.41
Your down payment$143,753.41
Closing costs + prepaids$17,277.57
Total buyer cash needed$161,030.98
Remaining funds due$161,030.98
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%)$6,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,631.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$990.00
Initial HOA (3 months)$234.00
Prepaid interest, first (30 days)$1,254.34
Fees + prepaids$17,277.57
Your down payment is the seller’s equity. You take over the $526,247 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $161,030.98 is due at closing. Uses and sources reconcile at $687,277.57 each. Not a Closing Disclosure.