Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$66,449Cash toward the purchase price.
Closing costs + prepaids$13,062Not just lender fees.
Before credits & paid funds$79,510The complete starting cash picture.
Estimated remaining funds due at closing
$79,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,448.66
Your down payment$66,448.66
Closing costs + prepaids$13,061.63
Total buyer cash needed$79,510.29
Remaining funds due$79,510.29
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$120.00
Prepaid interest, first (23 days)$744.87
Fees + prepaids$13,061.63
Your down payment is the seller’s equity. You take over the $382,551 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $79,510.29 is due at closing. Uses and sources reconcile at $462,061.63 each. Not a Closing Disclosure.