Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$67,966Cash toward the purchase price.
Closing costs + prepaids$16,561Not just lender fees.
Before credits & paid funds$84,527The complete starting cash picture.
Estimated remaining funds due at closing
$84,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,965.87
Your down payment$67,965.87
Closing costs + prepaids$16,560.99
Total buyer cash needed$84,526.86
Remaining funds due$84,526.86
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,297.50
Prepaid interest, first (30 days)$2,350.32
Fees + prepaids$16,560.99
Your down payment is the seller’s equity. You take over the $451,034 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $84,526.86 is due at closing. Uses and sources reconcile at $535,560.99 each. Not a Closing Disclosure.