Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,441Cash toward the purchase price.
Closing costs + prepaids$16,125Not just lender fees.
Before credits & paid funds$59,566The complete starting cash picture.
Estimated remaining funds due at closing
$59,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,440.64
Your down payment$43,440.64
Closing costs + prepaids$16,125.39
Total buyer cash needed$59,566.03
Remaining funds due$59,566.03
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%)$3,082.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$609.25
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$113.35
Fees + prepaids$16,125.39
Your down payment is the seller’s equity. You take over the $616,559 balance, so the rest of the $660,000 price is paid at closing. A second mortgage can cover part of it. $59,566.03 is due at closing. Uses and sources reconcile at $676,125.39 each. Not a Closing Disclosure.