Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$67,412Cash toward the purchase price.
Closing costs + prepaids$15,906Not just lender fees.
Before credits & paid funds$83,319The complete starting cash picture.
Estimated remaining funds due at closing
$83,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,412.21
Your down payment$67,412.21
Closing costs + prepaids$15,906.41
Total buyer cash needed$83,318.63
Remaining funds due$83,318.63
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%)$4,959.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$974.25
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$2,166.37
Fees + prepaids$15,906.41
Your down payment is the seller’s equity. You take over the $428,578 balance, so the rest of the $495,990 price is paid at closing. A second mortgage can cover part of it. $83,318.63 is due at closing. Uses and sources reconcile at $511,896.41 each. Not a Closing Disclosure.