Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$66,456Cash toward the purchase price.
Closing costs + prepaids$14,214Not just lender fees.
Before credits & paid funds$80,670The complete starting cash picture.
Estimated remaining funds due at closing
$80,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,456.07
Your down payment$66,456.07
Closing costs + prepaids$14,214.20
Total buyer cash needed$80,670.27
Remaining funds due$80,670.27
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$309.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$2,043.73
Fees + prepaids$14,214.20
Your down payment is the seller’s equity. You take over the $382,544 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $80,670.27 is due at closing. Uses and sources reconcile at $463,214.20 each. Not a Closing Disclosure.