Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$71,220Cash toward the purchase price.
Closing costs + prepaids$14,099Not just lender fees.
Before credits & paid funds$85,319The complete starting cash picture.
Estimated remaining funds due at closing
$85,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,220.36
Your down payment$71,220.36
Closing costs + prepaids$14,099.13
Total buyer cash needed$85,319.48
Remaining funds due$85,319.48
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%)$5,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,258.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.50
Initial HOA (3 months)$58.74
Prepaid interest, first (12 days)$455.99
Fees + prepaids$14,099.13
Your down payment is the seller’s equity. You take over the $451,780 balance, so the rest of the $523,000 price is paid at closing. A second mortgage can cover part of it. $85,319.48 is due at closing. Uses and sources reconcile at $537,099.13 each. Not a Closing Disclosure.