Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$72,048Cash toward the purchase price.
Closing costs + prepaids$15,411Not just lender fees.
Before credits & paid funds$87,459The complete starting cash picture.
Estimated remaining funds due at closing
$87,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,048.19
Your down payment$72,048.19
Closing costs + prepaids$15,410.88
Total buyer cash needed$87,459.07
Remaining funds due$87,459.07
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%)$2,239.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.25
Initial HOA (3 months)$260.01
Prepaid interest, first (19 days)$1,734.86
Fees + prepaids$15,410.88
Your down payment is the seller’s equity. You take over the $447,952 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $87,459.07 is due at closing. Uses and sources reconcile at $535,410.88 each. Not a Closing Disclosure.