Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,987Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$66,339The complete starting cash picture.
Estimated remaining funds due at closing
$66,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,987.25
Your down payment$51,987.25
Closing costs + prepaids$14,351.60
Total buyer cash needed$66,338.85
Remaining funds due$66,338.85
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%)$3,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,702.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,464.75
Initial HOA (3 months)$453.00
Prepaid interest, first (25 days)$1,588.28
Fees + prepaids$14,351.60
Your down payment is the seller’s equity. You take over the $340,513 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $66,338.85 is due at closing. Uses and sources reconcile at $406,851.60 each. Not a Closing Disclosure.