Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,966Cash toward the purchase price.
Closing costs + prepaids$16,013Not just lender fees.
Before credits & paid funds$83,978The complete starting cash picture.
Estimated remaining funds due at closing
$83,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,965.87
Your down payment$67,965.87
Closing costs + prepaids$16,012.58
Total buyer cash needed$83,978.45
Remaining funds due$83,978.45
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,255.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,297.50
Prepaid interest, first (23 days)$1,801.91
Fees + prepaids$16,012.58
Your down payment is the seller’s equity. You take over the $451,034 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $83,978.45 is due at closing. Uses and sources reconcile at $535,012.58 each. Not a Closing Disclosure.