Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$49,534Cash toward the purchase price.
Closing costs + prepaids$19,734Not just lender fees.
Before credits & paid funds$69,268The complete starting cash picture.
Estimated remaining funds due at closing
$69,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,533.61
Your down payment$49,533.61
Closing costs + prepaids$19,733.96
Total buyer cash needed$69,267.56
Remaining funds due$69,267.56
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,077.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,838.25
Initial HOA (3 months)$252.00
Prepaid interest, first (22 days)$2,448.38
Fees + prepaids$19,733.96
Your down payment is the seller’s equity. You take over the $615,466 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $69,267.56 is due at closing. Uses and sources reconcile at $684,733.96 each. Not a Closing Disclosure.