Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$71,523Cash toward the purchase price.
Closing costs + prepaids$15,294Not just lender fees.
Before credits & paid funds$86,818The complete starting cash picture.
Estimated remaining funds due at closing
$86,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,523.43
Your down payment$71,523.43
Closing costs + prepaids$15,294.07
Total buyer cash needed$86,817.50
Remaining funds due$86,817.50
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%)$5,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,242.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$549.50
Prepaid interest, first (24 days)$1,834.20
Fees + prepaids$15,294.07
Your down payment is the seller’s equity. You take over the $448,476 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $86,817.50 is due at closing. Uses and sources reconcile at $535,293.07 each. Not a Closing Disclosure.