Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$275,470Cash toward the purchase price.
Closing costs + prepaids$15,545Not just lender fees.
Before credits & paid funds$291,015The complete starting cash picture.
Estimated remaining funds due at closing
$291,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,470.42
Your down payment$275,470.42
Closing costs + prepaids$15,544.93
Total buyer cash needed$291,015.35
Remaining funds due$291,015.35
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%)$1,922.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$884.25
Prepaid interest, first (24 days)$670.03
Fees + prepaids$15,544.93
Your down payment is the seller’s equity. You take over the $384,530 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $291,015.35 is due at closing. Uses and sources reconcile at $675,544.93 each. Not a Closing Disclosure.