Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$141,409Cash toward the purchase price.
Closing costs + prepaids$18,778Not just lender fees.
Before credits & paid funds$160,187The complete starting cash picture.
Estimated remaining funds due at closing
$160,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,409.01
Your down payment$141,409.01
Closing costs + prepaids$18,777.63
Total buyer cash needed$160,186.64
Remaining funds due$160,186.64
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%)$6,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,682.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$717.25
Initial HOA (3 months)$354.00
Prepaid interest, first (31 days)$2,775.42
Fees + prepaids$18,777.63
Your down payment is the seller’s equity. You take over the $536,591 balance, so the rest of the $678,000 price is paid at closing. A second mortgage can cover part of it. $160,186.64 is due at closing. Uses and sources reconcile at $696,777.63 each. Not a Closing Disclosure.