Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$66,606Cash toward the purchase price.
Closing costs + prepaids$16,575Not just lender fees.
Before credits & paid funds$83,181The complete starting cash picture.
Estimated remaining funds due at closing
$83,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,605.54
Your down payment$66,605.54
Closing costs + prepaids$16,575.03
Total buyer cash needed$83,180.57
Remaining funds due$83,180.57
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,316.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$943.00
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,338.56
Fees + prepaids$16,575.03
Your down payment is the seller’s equity. You take over the $463,294 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $83,180.57 is due at closing. Uses and sources reconcile at $546,475.03 each. Not a Closing Disclosure.