Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$66,717Cash toward the purchase price.
Closing costs + prepaids$17,404Not just lender fees.
Before credits & paid funds$84,121The complete starting cash picture.
Estimated remaining funds due at closing
$84,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,716.77
Your down payment$66,716.77
Closing costs + prepaids$17,403.82
Total buyer cash needed$84,120.60
Remaining funds due$84,120.60
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,466.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,033.25
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,626.16
Fees + prepaids$17,403.82
Your down payment is the seller’s equity. You take over the $493,283 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $84,120.60 is due at closing. Uses and sources reconcile at $577,403.82 each. Not a Closing Disclosure.