Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$52,684Cash toward the purchase price.
Closing costs + prepaids$12,518Not just lender fees.
Before credits & paid funds$65,202The complete starting cash picture.
Estimated remaining funds due at closing
$65,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,683.86
Your down payment$52,683.86
Closing costs + prepaids$12,518.48
Total buyer cash needed$65,202.34
Remaining funds due$65,202.34
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,931.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.75
Prepaid interest, first (12 days)$452.15
Fees + prepaids$12,518.48
Your down payment is the seller’s equity. You take over the $386,316 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $65,202.34 is due at closing. Uses and sources reconcile at $451,518.48 each. Not a Closing Disclosure.