Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$63,895Cash toward the purchase price.
Closing costs + prepaids$17,005Not just lender fees.
Before credits & paid funds$80,900The complete starting cash picture.
Estimated remaining funds due at closing
$80,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,895.39
Your down payment$63,895.39
Closing costs + prepaids$17,004.88
Total buyer cash needed$80,900.26
Remaining funds due$80,900.26
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,205.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$496.50
Initial HOA (3 months)$1,305.00
Prepaid interest, first (30 days)$2,479.85
Fees + prepaids$17,004.88
Your down payment is the seller’s equity. You take over the $441,105 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $80,900.26 is due at closing. Uses and sources reconcile at $522,004.88 each. Not a Closing Disclosure.