Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,674Cash toward the purchase price.
Closing costs + prepaids$15,864Not just lender fees.
Before credits & paid funds$83,538The complete starting cash picture.
Estimated remaining funds due at closing
$83,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,674.05
Your down payment$67,674.05
Closing costs + prepaids$15,864.28
Total buyer cash needed$83,538.33
Remaining funds due$83,538.33
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%)$4,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,861.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,731.75
Initial HOA (3 months)$37.74
Prepaid interest, first (26 days)$1,615.18
Fees + prepaids$15,864.28
Your down payment is the seller’s equity. You take over the $372,325 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $83,538.33 is due at closing. Uses and sources reconcile at $455,863.28 each. Not a Closing Disclosure.