Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$33,191Cash toward the purchase price.
Closing costs + prepaids$20,055Not just lender fees.
Before credits & paid funds$53,246The complete starting cash picture.
Estimated remaining funds due at closing
$53,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,191.05
Your down payment$33,191.05
Closing costs + prepaids$20,055.09
Total buyer cash needed$53,246.14
Remaining funds due$53,246.14
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%)$3,134.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,650.00
Initial HOA (3 months)$216.00
Prepaid interest, first (26 days)$2,987.05
Fees + prepaids$20,055.09
Your down payment is the seller’s equity. You take over the $626,809 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $53,246.14 is due at closing. Uses and sources reconcile at $680,055.09 each. Not a Closing Disclosure.