Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$189,686Cash toward the purchase price.
Closing costs + prepaids$15,933Not just lender fees.
Before credits & paid funds$205,620The complete starting cash picture.
Estimated remaining funds due at closing
$205,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,686.19
Your down payment$189,686.19
Closing costs + prepaids$15,933.44
Total buyer cash needed$205,619.63
Remaining funds due$205,619.63
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%)$2,351.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$406.25
Prepaid interest, first (28 days)$1,107.62
Fees + prepaids$15,933.44
Your down payment is the seller’s equity. You take over the $470,314 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $205,619.63 is due at closing. Uses and sources reconcile at $675,933.44 each. Not a Closing Disclosure.