Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,302Cash toward the purchase price.
Closing costs + prepaids$19,726Not just lender fees.
Before credits & paid funds$68,027The complete starting cash picture.
Estimated remaining funds due at closing
$68,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,301.79
Your down payment$48,301.79
Closing costs + prepaids$19,725.51
Total buyer cash needed$68,027.30
Remaining funds due$68,027.30
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,057.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.75
Initial HOA (3 months)$162.00
Prepaid interest, first (31 days)$3,547.77
Fees + prepaids$19,725.51
Your down payment is the seller’s equity. You take over the $611,598 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $68,027.30 is due at closing. Uses and sources reconcile at $679,625.51 each. Not a Closing Disclosure.