Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$68,719Cash toward the purchase price.
Closing costs + prepaids$14,530Not just lender fees.
Before credits & paid funds$83,249The complete starting cash picture.
Estimated remaining funds due at closing
$83,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,719.22
Your down payment$68,719.22
Closing costs + prepaids$14,530.24
Total buyer cash needed$83,249.46
Remaining funds due$83,249.46
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,005.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Initial HOA (3 months)$705.00
Prepaid interest, first (14 days)$1,064.83
Fees + prepaids$14,530.24
Your down payment is the seller’s equity. You take over the $401,181 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $83,249.46 is due at closing. Uses and sources reconcile at $484,430.24 each. Not a Closing Disclosure.