Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,220Cash toward the purchase price.
Closing costs + prepaids$15,393Not just lender fees.
Before credits & paid funds$78,613The complete starting cash picture.
Estimated remaining funds due at closing
$78,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,219.67
Your down payment$63,219.67
Closing costs + prepaids$15,393.34
Total buyer cash needed$78,613.01
Remaining funds due$78,613.01
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,228.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.75
Prepaid interest, first (26 days)$2,003.69
Fees + prepaids$15,393.34
Your down payment is the seller’s equity. You take over the $445,780 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $78,613.01 is due at closing. Uses and sources reconcile at $524,393.34 each. Not a Closing Disclosure.