Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,601Cash toward the purchase price.
Closing costs + prepaids$9,671Not just lender fees.
Before credits & paid funds$62,273The complete starting cash picture.
Estimated remaining funds due at closing
$62,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,601.17
Your down payment$52,601.17
Closing costs + prepaids$9,671.42
Total buyer cash needed$62,272.59
Remaining funds due$62,272.59
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%)$2,049.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$761.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$695.00
Initial HOA (3 months)$570.00
Prepaid interest, first (28 days)$376.44
Fees + prepaids$9,671.42
Your down payment is the seller’s equity. You take over the $152,398 balance, so the rest of the $204,999 price is paid at closing. A second mortgage can cover part of it. $62,272.59 is due at closing. Uses and sources reconcile at $214,670.42 each. Not a Closing Disclosure.