Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$66,539Cash toward the purchase price.
Closing costs + prepaids$12,955Not just lender fees.
Before credits & paid funds$79,494The complete starting cash picture.
Estimated remaining funds due at closing
$79,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,539.35
Your down payment$66,539.35
Closing costs + prepaids$12,954.76
Total buyer cash needed$79,494.11
Remaining funds due$79,494.11
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,667.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$344.50
Initial HOA (3 months)$900.00
Prepaid interest, first (30 days)$824.97
Fees + prepaids$12,954.76
Your down payment is the seller’s equity. You take over the $333,460 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $79,494.11 is due at closing. Uses and sources reconcile at $412,953.76 each. Not a Closing Disclosure.