Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,944Cash toward the purchase price.
Closing costs + prepaids$14,687Not just lender fees.
Before credits & paid funds$83,631The complete starting cash picture.
Estimated remaining funds due at closing
$83,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,944.15
Your down payment$68,944.15
Closing costs + prepaids$14,686.59
Total buyer cash needed$83,630.75
Remaining funds due$83,630.75
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,730.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,844.75
Initial HOA (3 months)$32.49
Prepaid interest, first (25 days)$711.07
Fees + prepaids$14,686.59
Your down payment is the seller’s equity. You take over the $346,056 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $83,630.75 is due at closing. Uses and sources reconcile at $429,686.59 each. Not a Closing Disclosure.