Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$67,706Cash toward the purchase price.
Closing costs + prepaids$15,572Not just lender fees.
Before credits & paid funds$83,278The complete starting cash picture.
Estimated remaining funds due at closing
$83,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,706.20
Your down payment$67,706.20
Closing costs + prepaids$15,571.86
Total buyer cash needed$83,278.06
Remaining funds due$83,278.06
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,331.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$46.50
Prepaid interest, first (28 days)$2,385.89
Fees + prepaids$15,571.86
Your down payment is the seller’s equity. You take over the $466,294 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $83,278.06 is due at closing. Uses and sources reconcile at $549,571.86 each. Not a Closing Disclosure.