Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$133,954Cash toward the purchase price.
Closing costs + prepaids$16,230Not just lender fees.
Before credits & paid funds$150,184The complete starting cash picture.
Estimated remaining funds due at closing
$150,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,954.15
Your down payment$133,954.15
Closing costs + prepaids$16,230.24
Total buyer cash needed$150,184.39
Remaining funds due$150,184.39
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%)$6,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,650.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,239.25
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$46.76
Fees + prepaids$16,230.24
Your down payment is the seller’s equity. You take over the $530,046 balance, so the rest of the $664,000 price is paid at closing. A second mortgage can cover part of it. $150,184.39 is due at closing. Uses and sources reconcile at $680,230.24 each. Not a Closing Disclosure.