Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$63,660Cash toward the purchase price.
Closing costs + prepaids$14,439Not just lender fees.
Before credits & paid funds$78,099The complete starting cash picture.
Estimated remaining funds due at closing
$78,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,660.06
Your down payment$63,660.06
Closing costs + prepaids$14,438.64
Total buyer cash needed$78,098.70
Remaining funds due$78,098.70
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%)$5,249.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,306.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$518.00
Initial HOA (3 months)$48.00
Prepaid interest, first (22 days)$848.09
Fees + prepaids$14,438.64
Your down payment is the seller’s equity. You take over the $461,330 balance, so the rest of the $524,990 price is paid at closing. A second mortgage can cover part of it. $78,098.70 is due at closing. Uses and sources reconcile at $539,428.64 each. Not a Closing Disclosure.