Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$150,851Cash toward the purchase price.
Closing costs + prepaids$15,503Not just lender fees.
Before credits & paid funds$166,354The complete starting cash picture.
Estimated remaining funds due at closing
$166,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,851.06
Your down payment$150,851.06
Closing costs + prepaids$15,502.92
Total buyer cash needed$166,353.98
Remaining funds due$166,353.98
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%)$2,570.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.50
Initial HOA (3 months)$60.00
Prepaid interest, first (1 days)$93.67
Fees + prepaids$15,502.92
Your down payment is the seller’s equity. You take over the $514,149 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $166,353.98 is due at closing. Uses and sources reconcile at $680,502.92 each. Not a Closing Disclosure.