Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$63,968Cash toward the purchase price.
Closing costs + prepaids$14,309Not just lender fees.
Before credits & paid funds$78,276The complete starting cash picture.
Estimated remaining funds due at closing
$78,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,967.52
Your down payment$63,967.52
Closing costs + prepaids$14,308.64
Total buyer cash needed$78,276.16
Remaining funds due$78,276.16
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,330.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$39.00
Prepaid interest, first (6 days)$535.49
Fees + prepaids$14,308.64
Your down payment is the seller’s equity. You take over the $466,031 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $78,276.16 is due at closing. Uses and sources reconcile at $544,307.64 each. Not a Closing Disclosure.