Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$110,161Cash toward the purchase price.
Closing costs + prepaids$19,284Not just lender fees.
Before credits & paid funds$129,445The complete starting cash picture.
Estimated remaining funds due at closing
$129,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,161.26
Your down payment$110,161.26
Closing costs + prepaids$19,284.02
Total buyer cash needed$129,445.28
Remaining funds due$129,445.28
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%)$2,749.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,650.00
Initial HOA (3 months)$600.00
Prepaid interest, first (26 days)$2,216.83
Fees + prepaids$19,284.02
Your down payment is the seller’s equity. You take over the $549,839 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $129,445.28 is due at closing. Uses and sources reconcile at $679,284.02 each. Not a Closing Disclosure.