Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,940Cash toward the purchase price.
Closing costs + prepaids$16,776Not just lender fees.
Before credits & paid funds$83,716The complete starting cash picture.
Estimated remaining funds due at closing
$83,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,940.45
Your down payment$66,940.45
Closing costs + prepaids$16,775.66
Total buyer cash needed$83,716.11
Remaining funds due$83,716.11
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,715.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.25
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$1,319.11
Fees + prepaids$16,775.66
Your down payment is the seller’s equity. You take over the $543,060 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $83,716.11 is due at closing. Uses and sources reconcile at $626,775.66 each. Not a Closing Disclosure.