Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$66,588Cash toward the purchase price.
Closing costs + prepaids$13,724Not just lender fees.
Before credits & paid funds$80,312The complete starting cash picture.
Estimated remaining funds due at closing
$80,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,588.45
Your down payment$66,588.45
Closing costs + prepaids$13,724.01
Total buyer cash needed$80,312.46
Remaining funds due$80,312.46
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,967.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (15 days)$1,113.95
Fees + prepaids$13,724.01
Your down payment is the seller’s equity. You take over the $393,412 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $80,312.46 is due at closing. Uses and sources reconcile at $473,724.01 each. Not a Closing Disclosure.