Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$44,127Cash toward the purchase price.
Closing costs + prepaids$19,179Not just lender fees.
Before credits & paid funds$63,306The complete starting cash picture.
Estimated remaining funds due at closing
$63,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,127.07
Your down payment$44,127.07
Closing costs + prepaids$19,178.76
Total buyer cash needed$63,305.83
Remaining funds due$63,305.83
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%)$3,079.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$609.25
Initial HOA (3 months)$252.00
Prepaid interest, first (28 days)$3,170.14
Fees + prepaids$19,178.76
Your down payment is the seller’s equity. You take over the $615,873 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $63,305.83 is due at closing. Uses and sources reconcile at $679,178.76 each. Not a Closing Disclosure.