Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$64,182Cash toward the purchase price.
Closing costs + prepaids$13,696Not just lender fees.
Before credits & paid funds$77,878The complete starting cash picture.
Estimated remaining funds due at closing
$77,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,182.37
Your down payment$64,182.37
Closing costs + prepaids$13,695.99
Total buyer cash needed$77,878.36
Remaining funds due$77,878.36
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$753.00
Initial HOA (3 months)$540.00
Prepaid interest, first (31 days)$1,732.40
Fees + prepaids$13,695.99
Your down payment is the seller’s equity. You take over the $320,718 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $77,878.36 is due at closing. Uses and sources reconcile at $398,595.99 each. Not a Closing Disclosure.