Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,167Cash toward the purchase price.
Closing costs + prepaids$15,627Not just lender fees.
Before credits & paid funds$155,794The complete starting cash picture.
Estimated remaining funds due at closing
$155,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,166.71
Your down payment$140,166.71
Closing costs + prepaids$15,627.15
Total buyer cash needed$155,793.86
Remaining funds due$155,793.86
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%)$6,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,599.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.25
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$86.73
Fees + prepaids$15,627.15
Your down payment is the seller’s equity. You take over the $519,833 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $155,793.86 is due at closing. Uses and sources reconcile at $675,627.15 each. Not a Closing Disclosure.