Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$197,079Cash toward the purchase price.
Closing costs + prepaids$17,228Not just lender fees.
Before credits & paid funds$214,307The complete starting cash picture.
Estimated remaining funds due at closing
$214,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,078.53
Your down payment$197,078.53
Closing costs + prepaids$17,228.50
Total buyer cash needed$214,307.03
Remaining funds due$214,307.03
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,339.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,288.50
Initial HOA (3 months)$294.00
Prepaid interest, first (30 days)$1,188.39
Fees + prepaids$17,228.50
Your down payment is the seller’s equity. You take over the $467,921 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $214,307.03 is due at closing. Uses and sources reconcile at $682,228.50 each. Not a Closing Disclosure.