Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$73,244Cash toward the purchase price.
Closing costs + prepaids$19,735Not just lender fees.
Before credits & paid funds$92,979The complete starting cash picture.
Estimated remaining funds due at closing
$92,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,243.87
Your down payment$73,243.87
Closing costs + prepaids$19,735.38
Total buyer cash needed$92,979.25
Remaining funds due$92,979.25
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%)$2,933.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,716.25
Initial HOA (3 months)$99.00
Prepaid interest, first (29 days)$2,918.35
Fees + prepaids$19,735.38
Your down payment is the seller’s equity. You take over the $586,756 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $92,979.25 is due at closing. Uses and sources reconcile at $679,735.38 each. Not a Closing Disclosure.