Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$53,522Cash toward the purchase price.
Closing costs + prepaids$14,292Not just lender fees.
Before credits & paid funds$67,814The complete starting cash picture.
Estimated remaining funds due at closing
$67,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,522.22
Your down payment$53,522.22
Closing costs + prepaids$14,292.07
Total buyer cash needed$67,814.29
Remaining funds due$67,814.29
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%)$4,399.34
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$484.25
Initial HOA (3 months)$789.00
Prepaid interest, first (20 days)$1,469.42
Fees + prepaids$14,292.07
Your down payment is the seller’s equity. You take over the $386,412 balance, so the rest of the $439,934 price is paid at closing. A second mortgage can cover part of it. $67,814.29 is due at closing. Uses and sources reconcile at $454,226.07 each. Not a Closing Disclosure.