Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,328Cash toward the purchase price.
Closing costs + prepaids$13,886Not just lender fees.
Before credits & paid funds$67,214The complete starting cash picture.
Estimated remaining funds due at closing
$67,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,327.80
Your down payment$53,327.80
Closing costs + prepaids$13,886.02
Total buyer cash needed$67,213.82
Remaining funds due$67,213.82
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,808.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.25
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$1,944.41
Fees + prepaids$13,886.02
Your down payment is the seller’s equity. You take over the $361,672 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $67,213.82 is due at closing. Uses and sources reconcile at $428,886.02 each. Not a Closing Disclosure.