Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,370Cash toward the purchase price.
Closing costs + prepaids$15,720Not just lender fees.
Before credits & paid funds$83,090The complete starting cash picture.
Estimated remaining funds due at closing
$83,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,369.76
Your down payment$67,369.76
Closing costs + prepaids$15,720.42
Total buyer cash needed$83,090.18
Remaining funds due$83,090.18
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,312.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$406.25
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$2,054.52
Fees + prepaids$15,720.42
Your down payment is the seller’s equity. You take over the $462,530 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $83,090.18 is due at closing. Uses and sources reconcile at $545,620.42 each. Not a Closing Disclosure.