Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,249Cash toward the purchase price.
Closing costs + prepaids$13,139Not just lender fees.
Before credits & paid funds$79,388The complete starting cash picture.
Estimated remaining funds due at closing
$79,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,249.00
Your down payment$66,249.00
Closing costs + prepaids$13,139.08
Total buyer cash needed$79,388.08
Remaining funds due$79,388.08
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%)$3,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,656.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.75
Initial HOA (3 months)$330.00
Prepaid interest, first (23 days)$1,388.08
Fees + prepaids$13,139.08
Your down payment is the seller’s equity. You take over the $331,251 balance, so the rest of the $397,500 price is paid at closing. A second mortgage can cover part of it. $79,388.08 is due at closing. Uses and sources reconcile at $410,639.08 each. Not a Closing Disclosure.