Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$56,148Cash toward the purchase price.
Closing costs + prepaids$13,529Not just lender fees.
Before credits & paid funds$69,677The complete starting cash picture.
Estimated remaining funds due at closing
$69,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,147.71
Your down payment$56,147.71
Closing costs + prepaids$13,529.00
Total buyer cash needed$69,676.71
Remaining funds due$69,676.71
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,906.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$793.00
Initial HOA (3 months)$102.00
Prepaid interest, first (23 days)$1,134.24
Fees + prepaids$13,529.00
Your down payment is the seller’s equity. You take over the $381,352 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $69,676.71 is due at closing. Uses and sources reconcile at $451,029.00 each. Not a Closing Disclosure.