Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$71,998Cash toward the purchase price.
Closing costs + prepaids$15,420Not just lender fees.
Before credits & paid funds$87,418The complete starting cash picture.
Estimated remaining funds due at closing
$87,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,998.14
Your down payment$71,998.14
Closing costs + prepaids$15,420.15
Total buyer cash needed$87,418.29
Remaining funds due$87,418.29
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%)$5,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,315.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,337.50
Initial HOA (3 months)$30.00
Prepaid interest, first (25 days)$919.66
Fees + prepaids$15,420.15
Your down payment is the seller’s equity. You take over the $463,001 balance, so the rest of the $534,999 price is paid at closing. A second mortgage can cover part of it. $87,418.29 is due at closing. Uses and sources reconcile at $550,419.15 each. Not a Closing Disclosure.