Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$68,332Cash toward the purchase price.
Closing costs + prepaids$14,488Not just lender fees.
Before credits & paid funds$82,820The complete starting cash picture.
Estimated remaining funds due at closing
$82,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,331.87
Your down payment$68,331.87
Closing costs + prepaids$14,487.65
Total buyer cash needed$82,819.53
Remaining funds due$82,819.53
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%)$4,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,152.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$705.25
Prepaid interest, first (28 days)$1,172.56
Fees + prepaids$14,487.65
Your down payment is the seller’s equity. You take over the $430,568 balance, so the rest of the $498,900 price is paid at closing. A second mortgage can cover part of it. $82,819.53 is due at closing. Uses and sources reconcile at $513,387.65 each. Not a Closing Disclosure.