Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,769Cash toward the purchase price.
Closing costs + prepaids$15,095Not just lender fees.
Before credits & paid funds$67,864The complete starting cash picture.
Estimated remaining funds due at closing
$67,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,768.97
Your down payment$52,768.97
Closing costs + prepaids$15,095.13
Total buyer cash needed$67,864.10
Remaining funds due$67,864.10
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%)$4,689.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,081.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$589.00
Initial HOA (3 months)$153.00
Prepaid interest, first (31 days)$2,113.99
Fees + prepaids$15,095.13
Your down payment is the seller’s equity. You take over the $416,230 balance, so the rest of the $468,999 price is paid at closing. A second mortgage can cover part of it. $67,864.10 is due at closing. Uses and sources reconcile at $484,094.13 each. Not a Closing Disclosure.