Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,708Cash toward the purchase price.
Closing costs + prepaids$12,604Not just lender fees.
Before credits & paid funds$80,313The complete starting cash picture.
Estimated remaining funds due at closing
$80,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,708.42
Your down payment$67,708.42
Closing costs + prepaids$12,604.14
Total buyer cash needed$80,312.55
Remaining funds due$80,312.55
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%)$3,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,536.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.00
Initial HOA (3 months)$1,566.00
Prepaid interest, first (2 days)$48.83
Fees + prepaids$12,604.14
Your down payment is the seller’s equity. You take over the $307,282 balance, so the rest of the $374,990 price is paid at closing. A second mortgage can cover part of it. $80,312.55 is due at closing. Uses and sources reconcile at $387,594.14 each. Not a Closing Disclosure.