Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$66,307Cash toward the purchase price.
Closing costs + prepaids$16,398Not just lender fees.
Before credits & paid funds$82,704The complete starting cash picture.
Estimated remaining funds due at closing
$82,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,306.73
Your down payment$66,306.73
Closing costs + prepaids$16,397.74
Total buyer cash needed$82,704.46
Remaining funds due$82,704.46
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%)$4,580.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,958.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,145.00
Initial HOA (3 months)$1,455.00
Prepaid interest, first (26 days)$1,791.27
Fees + prepaids$16,397.74
Your down payment is the seller’s equity. You take over the $391,693 balance, so the rest of the $458,000 price is paid at closing. A second mortgage can cover part of it. $82,704.46 is due at closing. Uses and sources reconcile at $474,397.74 each. Not a Closing Disclosure.