Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,074Cash toward the purchase price.
Closing costs + prepaids$16,304Not just lender fees.
Before credits & paid funds$68,378The complete starting cash picture.
Estimated remaining funds due at closing
$68,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,073.89
Your down payment$52,073.89
Closing costs + prepaids$16,304.15
Total buyer cash needed$68,378.04
Remaining funds due$68,378.04
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%)$4,688.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,083.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,172.00
Initial HOA (3 months)$1,530.00
Prepaid interest, first (27 days)$1,362.52
Fees + prepaids$16,304.15
Your down payment is the seller’s equity. You take over the $416,726 balance, so the rest of the $468,800 price is paid at closing. A second mortgage can cover part of it. $68,378.04 is due at closing. Uses and sources reconcile at $485,104.15 each. Not a Closing Disclosure.