Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,666Cash toward the purchase price.
Closing costs + prepaids$14,631Not just lender fees.
Before credits & paid funds$66,297The complete starting cash picture.
Estimated remaining funds due at closing
$66,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,665.97
Your down payment$51,665.97
Closing costs + prepaids$14,630.83
Total buyer cash needed$66,296.80
Remaining funds due$66,296.80
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,581.25
Initial HOA (3 months)$18.51
Prepaid interest, first (26 days)$697.90
Fees + prepaids$14,630.83
Your down payment is the seller’s equity. You take over the $373,234 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $66,296.80 is due at closing. Uses and sources reconcile at $439,530.83 each. Not a Closing Disclosure.