Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,672Cash toward the purchase price.
Closing costs + prepaids$19,685Not just lender fees.
Before credits & paid funds$65,357The complete starting cash picture.
Estimated remaining funds due at closing
$65,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,672.28
Your down payment$45,672.28
Closing costs + prepaids$19,684.95
Total buyer cash needed$65,357.23
Remaining funds due$65,357.23
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%)$3,071.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,635.25
Prepaid interest, first (26 days)$2,910.06
Fees + prepaids$19,684.95
Your down payment is the seller’s equity. You take over the $614,328 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $65,357.23 is due at closing. Uses and sources reconcile at $679,684.95 each. Not a Closing Disclosure.