Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,094Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$78,584The complete starting cash picture.
Estimated remaining funds due at closing
$78,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,093.82
Your down payment$65,093.82
Closing costs + prepaids$13,489.78
Total buyer cash needed$78,583.60
Remaining funds due$78,583.60
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%)$4,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$364.75
Prepaid interest, first (31 days)$1,037.50
Fees + prepaids$13,489.78
Your down payment is the seller’s equity. You take over the $397,906 balance, so the rest of the $463,000 price is paid at closing. A second mortgage can cover part of it. $78,583.60 is due at closing. Uses and sources reconcile at $476,489.78 each. Not a Closing Disclosure.