Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,400Cash toward the purchase price.
Closing costs + prepaids$19,489Not just lender fees.
Before credits & paid funds$163,889The complete starting cash picture.
Estimated remaining funds due at closing
$163,889No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,400.18
Your down payment$144,400.18
Closing costs + prepaids$19,488.93
Total buyer cash needed$163,889.10
Remaining funds due$163,889.10
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%)$6,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,623.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,211.25
Initial HOA (3 months)$86.25
Prepaid interest, first (31 days)$2,410.43
Fees + prepaids$19,488.93
Your down payment is the seller’s equity. You take over the $524,600 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $163,889.10 is due at closing. Uses and sources reconcile at $688,488.93 each. Not a Closing Disclosure.