Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,858Cash toward the purchase price.
Closing costs + prepaids$18,424Not just lender fees.
Before credits & paid funds$76,282The complete starting cash picture.
Estimated remaining funds due at closing
$76,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,857.53
Your down payment$57,857.53
Closing costs + prepaids$18,424.37
Total buyer cash needed$76,281.90
Remaining funds due$76,281.90
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,985.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.25
Initial HOA (3 months)$17.76
Prepaid interest, first (31 days)$2,028.65
Fees + prepaids$18,424.37
Your down payment is the seller’s equity. You take over the $597,142 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $76,281.90 is due at closing. Uses and sources reconcile at $673,424.37 each. Not a Closing Disclosure.