Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,576Cash toward the purchase price.
Closing costs + prepaids$18,575Not just lender fees.
Before credits & paid funds$85,151The complete starting cash picture.
Estimated remaining funds due at closing
$85,151No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,576.01
Your down payment$66,576.01
Closing costs + prepaids$18,575.32
Total buyer cash needed$85,151.33
Remaining funds due$85,151.33
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%)$6,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,917.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$939.00
Prepaid interest, first (26 days)$2,751.20
Fees + prepaids$18,575.32
Your down payment is the seller’s equity. You take over the $583,424 balance, so the rest of the $650,000 price is paid at closing. A second mortgage can cover part of it. $85,151.33 is due at closing. Uses and sources reconcile at $668,575.32 each. Not a Closing Disclosure.