Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,062Cash toward the purchase price.
Closing costs + prepaids$16,134Not just lender fees.
Before credits & paid funds$67,196The complete starting cash picture.
Estimated remaining funds due at closing
$67,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,062.48
Your down payment$51,062.48
Closing costs + prepaids$16,133.84
Total buyer cash needed$67,196.32
Remaining funds due$67,196.32
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,093.75
Initial HOA (3 months)$1,833.00
Prepaid interest, first (26 days)$1,681.90
Fees + prepaids$16,133.84
Your down payment is the seller’s equity. You take over the $386,438 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $67,196.32 is due at closing. Uses and sources reconcile at $453,633.84 each. Not a Closing Disclosure.