Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$141,882Cash toward the purchase price.
Closing costs + prepaids$17,030Not just lender fees.
Before credits & paid funds$158,912The complete starting cash picture.
Estimated remaining funds due at closing
$158,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,881.96
Your down payment$141,881.96
Closing costs + prepaids$17,030.45
Total buyer cash needed$158,912.41
Remaining funds due$158,912.41
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,585.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$823.75
Prepaid interest, first (17 days)$1,563.11
Fees + prepaids$17,030.45
Your down payment is the seller’s equity. You take over the $517,118 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $158,912.41 is due at closing. Uses and sources reconcile at $676,030.45 each. Not a Closing Disclosure.