Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,412Cash toward the purchase price.
Closing costs + prepaids$15,401Not just lender fees.
Before credits & paid funds$82,813The complete starting cash picture.
Estimated remaining funds due at closing
$82,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,412.21
Your down payment$67,412.21
Closing costs + prepaids$15,400.92
Total buyer cash needed$82,813.14
Remaining funds due$82,813.14
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%)$4,959.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$974.25
Initial HOA (3 months)$195.00
Prepaid interest, first (23 days)$1,660.89
Fees + prepaids$15,400.92
Your down payment is the seller’s equity. You take over the $428,578 balance, so the rest of the $495,990 price is paid at closing. A second mortgage can cover part of it. $82,813.14 is due at closing. Uses and sources reconcile at $511,390.92 each. Not a Closing Disclosure.