Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$180,870Cash toward the purchase price.
Closing costs + prepaids$17,167Not just lender fees.
Before credits & paid funds$198,037The complete starting cash picture.
Estimated remaining funds due at closing
$198,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,870.10
Your down payment$180,870.10
Closing costs + prepaids$17,166.50
Total buyer cash needed$198,036.60
Remaining funds due$198,036.60
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%)$6,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,495.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.25
Prepaid interest, first (21 days)$1,780.10
Fees + prepaids$17,166.50
Your down payment is the seller’s equity. You take over the $499,030 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $198,036.60 is due at closing. Uses and sources reconcile at $697,066.50 each. Not a Closing Disclosure.