Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$56,148Cash toward the purchase price.
Closing costs + prepaids$12,790Not just lender fees.
Before credits & paid funds$68,938The complete starting cash picture.
Estimated remaining funds due at closing
$68,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,147.71
Your down payment$56,147.71
Closing costs + prepaids$12,789.85
Total buyer cash needed$68,937.56
Remaining funds due$68,937.56
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,906.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$547.00
Initial HOA (3 months)$102.00
Prepaid interest, first (13 days)$641.09
Fees + prepaids$12,789.85
Your down payment is the seller’s equity. You take over the $381,352 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $68,937.56 is due at closing. Uses and sources reconcile at $450,289.85 each. Not a Closing Disclosure.