Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,656Cash toward the purchase price.
Closing costs + prepaids$6,200Not just lender fees.
Before credits & paid funds$30,856The complete starting cash picture.
Estimated remaining funds due at closing
$30,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,655.66
Your down payment$24,655.66
Closing costs + prepaids$6,200.27
Total buyer cash needed$30,855.94
Remaining funds due$30,855.94
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%)$600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$176.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$198.25
Prepaid interest, first (2 days)$7.30
Fees + prepaids$6,200.27
Your down payment is the seller’s equity. You take over the $35,344 balance, so the rest of the $60,000 price is paid at closing. A second mortgage can cover part of it. $30,855.94 is due at closing. Uses and sources reconcile at $66,200.27 each. Not a Closing Disclosure.