Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,404Cash toward the purchase price.
Closing costs + prepaids$13,483Not just lender fees.
Before credits & paid funds$66,887The complete starting cash picture.
Estimated remaining funds due at closing
$66,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,404.47
Your down payment$53,404.47
Closing costs + prepaids$13,482.55
Total buyer cash needed$66,887.02
Remaining funds due$66,887.02
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,882.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$694.75
Initial HOA (3 months)$68.76
Prepaid interest, first (25 days)$1,318.08
Fees + prepaids$13,482.55
Your down payment is the seller’s equity. You take over the $376,595 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $66,887.02 is due at closing. Uses and sources reconcile at $443,481.55 each. Not a Closing Disclosure.