Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$53,367Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$66,302The complete starting cash picture.
Estimated remaining funds due at closing
$66,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,366.63
Your down payment$53,366.63
Closing costs + prepaids$12,935.12
Total buyer cash needed$66,301.75
Remaining funds due$66,301.75
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,928.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$568.00
Initial HOA (3 months)$159.00
Prepaid interest, first (20 days)$671.95
Fees + prepaids$12,935.12
Your down payment is the seller’s equity. You take over the $385,633 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $66,301.75 is due at closing. Uses and sources reconcile at $451,935.12 each. Not a Closing Disclosure.