Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$150,575Cash toward the purchase price.
Closing costs + prepaids$15,756Not just lender fees.
Before credits & paid funds$166,332The complete starting cash picture.
Estimated remaining funds due at closing
$166,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,575.34
Your down payment$150,575.34
Closing costs + prepaids$15,756.23
Total buyer cash needed$166,331.57
Remaining funds due$166,331.57
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%)$2,572.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.75
Initial HOA (3 months)$129.99
Prepaid interest, first (2 days)$193.37
Fees + prepaids$15,756.23
Your down payment is the seller’s equity. You take over the $514,425 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $166,331.57 is due at closing. Uses and sources reconcile at $680,756.23 each. Not a Closing Disclosure.