Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$60,495Cash toward the purchase price.
Closing costs + prepaids$16,185Not just lender fees.
Before credits & paid funds$76,680The complete starting cash picture.
Estimated remaining funds due at closing
$76,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,494.54
Your down payment$60,494.54
Closing costs + prepaids$16,185.24
Total buyer cash needed$76,679.77
Remaining funds due$76,679.77
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%)$2,997.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.00
Initial HOA (3 months)$60.00
Prepaid interest, first (2 days)$200.71
Fees + prepaids$16,185.24
Your down payment is the seller’s equity. You take over the $599,505 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $76,679.77 is due at closing. Uses and sources reconcile at $676,185.24 each. Not a Closing Disclosure.