Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$66,672Cash toward the purchase price.
Closing costs + prepaids$13,414Not just lender fees.
Before credits & paid funds$80,085The complete starting cash picture.
Estimated remaining funds due at closing
$80,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,671.54
Your down payment$66,671.54
Closing costs + prepaids$13,413.59
Total buyer cash needed$80,085.13
Remaining funds due$80,085.13
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%)$4,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,859.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$172.50
Initial HOA (3 months)$12.51
Prepaid interest, first (30 days)$1,766.44
Fees + prepaids$13,413.59
Your down payment is the seller’s equity. You take over the $371,828 balance, so the rest of the $438,500 price is paid at closing. A second mortgage can cover part of it. $80,085.13 is due at closing. Uses and sources reconcile at $451,913.59 each. Not a Closing Disclosure.