Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,415Cash toward the purchase price.
Closing costs + prepaids$15,251Not just lender fees.
Before credits & paid funds$68,666The complete starting cash picture.
Estimated remaining funds due at closing
$68,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,415.34
Your down payment$53,415.34
Closing costs + prepaids$15,250.74
Total buyer cash needed$68,666.08
Remaining funds due$68,666.08
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$787.75
Initial HOA (3 months)$405.00
Prepaid interest, first (25 days)$1,808.57
Fees + prepaids$15,250.74
Your down payment is the seller’s equity. You take over the $416,485 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $68,666.08 is due at closing. Uses and sources reconcile at $485,150.74 each. Not a Closing Disclosure.