Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$61,104Cash toward the purchase price.
Closing costs + prepaids$18,287Not just lender fees.
Before credits & paid funds$79,392The complete starting cash picture.
Estimated remaining funds due at closing
$79,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,104.27
Your down payment$61,104.27
Closing costs + prepaids$18,287.31
Total buyer cash needed$79,391.58
Remaining funds due$79,391.58
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%)$2,994.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.00
Initial HOA (3 months)$60.00
Prepaid interest, first (23 days)$2,305.83
Fees + prepaids$18,287.31
Your down payment is the seller’s equity. You take over the $598,896 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $79,391.58 is due at closing. Uses and sources reconcile at $678,287.31 each. Not a Closing Disclosure.