Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$67,032Cash toward the purchase price.
Closing costs + prepaids$15,711Not just lender fees.
Before credits & paid funds$82,744The complete starting cash picture.
Estimated remaining funds due at closing
$82,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,032.40
Your down payment$67,032.40
Closing costs + prepaids$15,711.37
Total buyer cash needed$82,743.77
Remaining funds due$82,743.77
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,264.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$385.25
Prepaid interest, first (29 days)$2,393.28
Fees + prepaids$15,711.37
Your down payment is the seller’s equity. You take over the $452,968 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $82,743.77 is due at closing. Uses and sources reconcile at $535,711.37 each. Not a Closing Disclosure.