Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$68,483Cash toward the purchase price.
Closing costs + prepaids$12,691Not just lender fees.
Before credits & paid funds$81,174The complete starting cash picture.
Estimated remaining funds due at closing
$81,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,482.69
Your down payment$68,482.69
Closing costs + prepaids$12,691.05
Total buyer cash needed$81,173.74
Remaining funds due$81,173.74
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,807.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$736.00
Initial HOA (3 months)$75.00
Prepaid interest, first (18 days)$554.46
Fees + prepaids$12,691.05
Your down payment is the seller’s equity. You take over the $361,517 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $81,173.74 is due at closing. Uses and sources reconcile at $442,691.05 each. Not a Closing Disclosure.