Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$69,487Cash toward the purchase price.
Closing costs + prepaids$13,537Not just lender fees.
Before credits & paid funds$83,024The complete starting cash picture.
Estimated remaining funds due at closing
$83,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,486.73
Your down payment$69,486.73
Closing costs + prepaids$13,536.85
Total buyer cash needed$83,023.58
Remaining funds due$83,023.58
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,902.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.00
Initial HOA (3 months)$558.00
Prepaid interest, first (27 days)$816.28
Fees + prepaids$13,536.85
Your down payment is the seller’s equity. You take over the $380,513 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $83,023.58 is due at closing. Uses and sources reconcile at $463,536.85 each. Not a Closing Disclosure.