Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,690Cash toward the purchase price.
Closing costs + prepaids$13,035Not just lender fees.
Before credits & paid funds$77,724The complete starting cash picture.
Estimated remaining funds due at closing
$77,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,689.65
Your down payment$64,689.65
Closing costs + prepaids$13,034.58
Total buyer cash needed$77,724.24
Remaining funds due$77,724.24
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,596.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$666.25
Initial HOA (3 months)$195.00
Prepaid interest, first (27 days)$1,518.78
Fees + prepaids$13,034.58
Your down payment is the seller’s equity. You take over the $319,310 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $77,724.24 is due at closing. Uses and sources reconcile at $397,034.58 each. Not a Closing Disclosure.