Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,522Cash toward the purchase price.
Closing costs + prepaids$12,718Not just lender fees.
Before credits & paid funds$80,239The complete starting cash picture.
Estimated remaining funds due at closing
$80,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,521.53
Your down payment$67,521.53
Closing costs + prepaids$12,717.75
Total buyer cash needed$80,239.28
Remaining funds due$80,239.28
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%)$3,249.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,712.50
Prepaid interest, first (26 days)$1,250.61
Fees + prepaids$12,717.75
Your down payment is the seller’s equity. You take over the $257,428 balance, so the rest of the $324,950 price is paid at closing. A second mortgage can cover part of it. $80,239.28 is due at closing. Uses and sources reconcile at $337,667.75 each. Not a Closing Disclosure.