Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$283,053Cash toward the purchase price.
Closing costs + prepaids$15,556Not just lender fees.
Before credits & paid funds$298,609The complete starting cash picture.
Estimated remaining funds due at closing
$298,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,052.58
Your down payment$283,052.58
Closing costs + prepaids$15,555.95
Total buyer cash needed$298,608.53
Remaining funds due$298,608.53
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%)$1,884.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$741.50
Prepaid interest, first (28 days)$861.71
Fees + prepaids$15,555.95
Your down payment is the seller’s equity. You take over the $376,947 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $298,608.53 is due at closing. Uses and sources reconcile at $675,555.95 each. Not a Closing Disclosure.