Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,367Cash toward the purchase price.
Closing costs + prepaids$15,949Not just lender fees.
Before credits & paid funds$85,316The complete starting cash picture.
Estimated remaining funds due at closing
$85,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,367.19
Your down payment$69,367.19
Closing costs + prepaids$15,948.73
Total buyer cash needed$85,315.92
Remaining funds due$85,315.92
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,252.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,299.75
Initial HOA (3 months)$1,035.00
Prepaid interest, first (25 days)$694.31
Fees + prepaids$15,948.73
Your down payment is the seller’s equity. You take over the $450,533 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $85,315.92 is due at closing. Uses and sources reconcile at $535,848.73 each. Not a Closing Disclosure.