Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$71,406Cash toward the purchase price.
Closing costs + prepaids$13,327Not just lender fees.
Before credits & paid funds$84,733The complete starting cash picture.
Estimated remaining funds due at closing
$84,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,405.74
Your down payment$71,405.74
Closing costs + prepaids$13,327.42
Total buyer cash needed$84,733.16
Remaining funds due$84,733.16
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%)$4,439.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$340.00
Initial HOA (3 months)$123.00
Prepaid interest, first (27 days)$1,343.60
Fees + prepaids$13,327.42
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $443,990 price is paid at closing. A second mortgage can cover part of it. $84,733.16 is due at closing. Uses and sources reconcile at $457,317.42 each. Not a Closing Disclosure.