Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,752Cash toward the purchase price.
Closing costs + prepaids$18,223Not just lender fees.
Before credits & paid funds$158,975The complete starting cash picture.
Estimated remaining funds due at closing
$158,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,752.11
Your down payment$140,752.11
Closing costs + prepaids$18,223.21
Total buyer cash needed$158,975.32
Remaining funds due$158,975.32
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%)$2,596.24
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 (31 days)$2,685.72
Fees + prepaids$18,223.21
Your down payment is the seller’s equity. You take over the $519,248 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $158,975.32 is due at closing. Uses and sources reconcile at $678,223.21 each. Not a Closing Disclosure.