Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$53,505Cash toward the purchase price.
Closing costs + prepaids$12,552Not just lender fees.
Before credits & paid funds$66,057The complete starting cash picture.
Estimated remaining funds due at closing
$66,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,505.21
Your down payment$53,505.21
Closing costs + prepaids$12,551.73
Total buyer cash needed$66,056.94
Remaining funds due$66,056.94
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,807.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Initial HOA (3 months)$33.00
Prepaid interest, first (15 days)$824.51
Fees + prepaids$12,551.73
Your down payment is the seller’s equity. You take over the $361,495 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $66,056.94 is due at closing. Uses and sources reconcile at $427,551.73 each. Not a Closing Disclosure.