Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,578Cash toward the purchase price.
Closing costs + prepaids$16,071Not just lender fees.
Before credits & paid funds$77,650The complete starting cash picture.
Estimated remaining funds due at closing
$77,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,578.23
Your down payment$61,578.23
Closing costs + prepaids$16,071.40
Total buyer cash needed$77,649.63
Remaining funds due$77,649.63
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%)$4,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,116.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.25
Initial HOA (3 months)$142.50
Prepaid interest, first (31 days)$2,283.04
Fees + prepaids$16,071.40
Your down payment is the seller’s equity. You take over the $423,322 balance, so the rest of the $484,900 price is paid at closing. A second mortgage can cover part of it. $77,649.63 is due at closing. Uses and sources reconcile at $500,971.40 each. Not a Closing Disclosure.