Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,890Cash toward the purchase price.
Closing costs + prepaids$15,049Not just lender fees.
Before credits & paid funds$81,939The complete starting cash picture.
Estimated remaining funds due at closing
$81,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,890.25
Your down payment$66,890.25
Closing costs + prepaids$15,048.68
Total buyer cash needed$81,938.93
Remaining funds due$81,938.93
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%)$5,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$585.00
Initial HOA (3 months)$471.00
Prepaid interest, first (31 days)$1,134.14
Fees + prepaids$15,048.68
Your down payment is the seller’s equity. You take over the $448,109 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $81,938.93 is due at closing. Uses and sources reconcile at $530,047.68 each. Not a Closing Disclosure.