Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,583Cash toward the purchase price.
Closing costs + prepaids$14,143Not just lender fees.
Before credits & paid funds$66,726The complete starting cash picture.
Estimated remaining funds due at closing
$66,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,583.35
Your down payment$52,583.35
Closing costs + prepaids$14,142.65
Total buyer cash needed$66,726.00
Remaining funds due$66,726.00
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%)$4,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,837.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.00
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$1,594.58
Fees + prepaids$14,142.65
Your down payment is the seller’s equity. You take over the $367,416 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $66,726.00 is due at closing. Uses and sources reconcile at $434,141.65 each. Not a Closing Disclosure.