Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$57,613Cash toward the purchase price.
Closing costs + prepaids$12,291Not just lender fees.
Before credits & paid funds$69,904The complete starting cash picture.
Estimated remaining funds due at closing
$69,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,612.99
Your down payment$57,612.99
Closing costs + prepaids$12,290.59
Total buyer cash needed$69,903.58
Remaining funds due$69,903.58
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%)$4,379.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,901.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.50
Initial HOA (3 months)$75.99
Prepaid interest, first (6 days)$190.66
Fees + prepaids$12,290.59
Your down payment is the seller’s equity. You take over the $380,287 balance, so the rest of the $437,900 price is paid at closing. A second mortgage can cover part of it. $69,903.58 is due at closing. Uses and sources reconcile at $450,190.59 each. Not a Closing Disclosure.