Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$72,654Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$83,434The complete starting cash picture.
Estimated remaining funds due at closing
$83,434No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,654.35
Your down payment$72,654.35
Closing costs + prepaids$10,779.19
Total buyer cash needed$83,433.55
Remaining funds due$83,433.55
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%)$3,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,351.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$428.75
Initial HOA (3 months)$84.00
Prepaid interest, first (13 days)$266.72
Fees + prepaids$10,779.19
Your down payment is the seller’s equity. You take over the $270,346 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $83,433.55 is due at closing. Uses and sources reconcile at $353,779.19 each. Not a Closing Disclosure.