Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$64,486Cash toward the purchase price.
Closing costs + prepaids$11,811Not just lender fees.
Before credits & paid funds$76,297The complete starting cash picture.
Estimated remaining funds due at closing
$76,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,485.84
Your down payment$64,485.84
Closing costs + prepaids$11,811.42
Total buyer cash needed$76,297.26
Remaining funds due$76,297.26
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,327.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$833.50
Initial HOA (3 months)$46.74
Prepaid interest, first (23 days)$1,087.11
Fees + prepaids$11,811.42
Your down payment is the seller’s equity. You take over the $265,414 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $76,297.26 is due at closing. Uses and sources reconcile at $341,711.42 each. Not a Closing Disclosure.