Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$66,489Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$78,319The complete starting cash picture.
Estimated remaining funds due at closing
$78,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,488.84
Your down payment$66,488.84
Closing costs + prepaids$11,830.30
Total buyer cash needed$78,319.13
Remaining funds due$78,319.13
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%)$3,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.50
Initial HOA (3 months)$369.00
Prepaid interest, first (22 days)$539.26
Fees + prepaids$11,830.30
Your down payment is the seller’s equity. You take over the $308,510 balance, so the rest of the $374,999 price is paid at closing. A second mortgage can cover part of it. $78,319.13 is due at closing. Uses and sources reconcile at $386,829.30 each. Not a Closing Disclosure.