Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$67,079Cash toward the purchase price.
Closing costs + prepaids$14,320Not just lender fees.
Before credits & paid funds$81,399The complete starting cash picture.
Estimated remaining funds due at closing
$81,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,079.07
Your down payment$67,079.07
Closing costs + prepaids$14,319.99
Total buyer cash needed$81,399.06
Remaining funds due$81,399.06
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,889.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,918.00
Initial HOA (3 months)$65.25
Prepaid interest, first (25 days)$779.14
Fees + prepaids$14,319.99
Your down payment is the seller’s equity. You take over the $377,921 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $81,399.06 is due at closing. Uses and sources reconcile at $459,319.99 each. Not a Closing Disclosure.