Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$69,974Cash toward the purchase price.
Closing costs + prepaids$13,534Not just lender fees.
Before credits & paid funds$83,508The complete starting cash picture.
Estimated remaining funds due at closing
$83,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,974.48
Your down payment$69,974.48
Closing costs + prepaids$13,533.65
Total buyer cash needed$83,508.13
Remaining funds due$83,508.13
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%)$4,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,035.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$572.50
Initial HOA (3 months)$312.00
Prepaid interest, first (12 days)$376.02
Fees + prepaids$13,533.65
Your down payment is the seller’s equity. You take over the $407,026 balance, so the rest of the $477,000 price is paid at closing. A second mortgage can cover part of it. $83,508.13 is due at closing. Uses and sources reconcile at $490,533.65 each. Not a Closing Disclosure.