Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,698Cash toward the purchase price.
Closing costs + prepaids$16,809Not just lender fees.
Before credits & paid funds$60,507The complete starting cash picture.
Estimated remaining funds due at closing
$60,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,698.49
Your down payment$43,698.49
Closing costs + prepaids$16,808.88
Total buyer cash needed$60,507.37
Remaining funds due$60,507.37
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,076.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,306.75
Initial HOA (3 months)$137.01
Prepaid interest, first (2 days)$230.61
Fees + prepaids$16,808.88
Your down payment is the seller’s equity. You take over the $615,302 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $60,507.37 is due at closing. Uses and sources reconcile at $675,808.88 each. Not a Closing Disclosure.