Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$147,518Cash toward the purchase price.
Closing costs + prepaids$18,671Not just lender fees.
Before credits & paid funds$166,189The complete starting cash picture.
Estimated remaining funds due at closing
$166,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,518.14
Your down payment$147,518.14
Closing costs + prepaids$18,670.66
Total buyer cash needed$166,188.81
Remaining funds due$166,188.81
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%)$2,512.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,655.50
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$2,279.75
Fees + prepaids$18,670.66
Your down payment is the seller’s equity. You take over the $502,482 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $166,188.81 is due at closing. Uses and sources reconcile at $668,670.66 each. Not a Closing Disclosure.