Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$68,769Cash toward the purchase price.
Closing costs + prepaids$12,652Not just lender fees.
Before credits & paid funds$81,422The complete starting cash picture.
Estimated remaining funds due at closing
$81,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,769.46
Your down payment$68,769.46
Closing costs + prepaids$12,652.33
Total buyer cash needed$81,421.79
Remaining funds due$81,421.79
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,856.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Initial HOA (3 months)$50.01
Prepaid interest, first (22 days)$644.42
Fees + prepaids$12,652.33
Your down payment is the seller’s equity. You take over the $371,231 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $81,421.79 is due at closing. Uses and sources reconcile at $452,652.33 each. Not a Closing Disclosure.