Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$212,518Cash toward the purchase price.
Closing costs + prepaids$17,125Not just lender fees.
Before credits & paid funds$229,643The complete starting cash picture.
Estimated remaining funds due at closing
$229,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,518.17
Your down payment$212,518.17
Closing costs + prepaids$17,124.99
Total buyer cash needed$229,643.16
Remaining funds due$229,643.16
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%)$2,237.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,650.00
Prepaid interest, first (30 days)$1,169.58
Fees + prepaids$17,124.99
Your down payment is the seller’s equity. You take over the $447,482 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $229,643.16 is due at closing. Uses and sources reconcile at $677,124.99 each. Not a Closing Disclosure.