Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,534Cash toward the purchase price.
Closing costs + prepaids$20,624Not just lender fees.
Before credits & paid funds$70,158The complete starting cash picture.
Estimated remaining funds due at closing
$70,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,533.61
Your down payment$49,533.61
Closing costs + prepaids$20,624.28
Total buyer cash needed$70,157.88
Remaining funds due$70,157.88
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,077.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,838.25
Initial HOA (3 months)$252.00
Prepaid interest, first (30 days)$3,338.69
Fees + prepaids$20,624.28
Your down payment is the seller’s equity. You take over the $615,466 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $70,157.88 is due at closing. Uses and sources reconcile at $685,624.28 each. Not a Closing Disclosure.