Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,111Cash toward the purchase price.
Closing costs + prepaids$16,017Not just lender fees.
Before credits & paid funds$100,128The complete starting cash picture.
Estimated remaining funds due at closing
$100,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,110.71
Your down payment$84,110.71
Closing costs + prepaids$16,017.04
Total buyer cash needed$100,127.75
Remaining funds due$100,127.75
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%)$6,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,904.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$411.00
Prepaid interest, first (1 days)$61.59
Fees + prepaids$16,017.04
Your down payment is the seller’s equity. You take over the $580,889 balance, so the rest of the $665,000 price is paid at closing. A second mortgage can cover part of it. $100,127.75 is due at closing. Uses and sources reconcile at $681,017.04 each. Not a Closing Disclosure.