Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,127Cash toward the purchase price.
Closing costs + prepaids$14,943Not just lender fees.
Before credits & paid funds$83,070The complete starting cash picture.
Estimated remaining funds due at closing
$83,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,127.48
Your down payment$68,127.48
Closing costs + prepaids$14,942.64
Total buyer cash needed$83,070.12
Remaining funds due$83,070.12
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,984.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,192.25
Initial HOA (3 months)$67.50
Prepaid interest, first (23 days)$1,580.53
Fees + prepaids$14,942.64
Your down payment is the seller’s equity. You take over the $396,873 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $83,070.12 is due at closing. Uses and sources reconcile at $479,942.64 each. Not a Closing Disclosure.