Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,330Cash toward the purchase price.
Closing costs + prepaids$13,321Not just lender fees.
Before credits & paid funds$76,651The complete starting cash picture.
Estimated remaining funds due at closing
$76,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,329.95
Your down payment$63,329.95
Closing costs + prepaids$13,320.76
Total buyer cash needed$76,650.71
Remaining funds due$76,650.71
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%)$3,999.96
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,683.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,435.50
Initial HOA (3 months)$82.26
Prepaid interest, first (26 days)$901.71
Fees + prepaids$13,320.76
Your down payment is the seller’s equity. You take over the $336,666 balance, so the rest of the $399,996 price is paid at closing. A second mortgage can cover part of it. $76,650.71 is due at closing. Uses and sources reconcile at $413,316.76 each. Not a Closing Disclosure.