Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$63,808Cash toward the purchase price.
Closing costs + prepaids$14,755Not just lender fees.
Before credits & paid funds$78,563The complete starting cash picture.
Estimated remaining funds due at closing
$78,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,808.42
Your down payment$63,808.42
Closing costs + prepaids$14,754.57
Total buyer cash needed$78,562.99
Remaining funds due$78,562.99
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,280.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$400.25
Initial HOA (3 months)$318.00
Prepaid interest, first (30 days)$1,087.36
Fees + prepaids$14,754.57
Your down payment is the seller’s equity. You take over the $456,192 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $78,562.99 is due at closing. Uses and sources reconcile at $534,754.57 each. Not a Closing Disclosure.