Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,635Cash toward the purchase price.
Closing costs + prepaids$15,174Not just lender fees.
Before credits & paid funds$82,809The complete starting cash picture.
Estimated remaining funds due at closing
$82,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,635.05
Your down payment$67,635.05
Closing costs + prepaids$15,173.73
Total buyer cash needed$82,808.79
Remaining funds due$82,808.79
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,311.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.75
Initial HOA (3 months)$282.99
Prepaid interest, first (31 days)$1,227.17
Fees + prepaids$15,173.73
Your down payment is the seller’s equity. You take over the $462,365 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $82,808.79 is due at closing. Uses and sources reconcile at $545,173.73 each. Not a Closing Disclosure.