Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,318Cash toward the purchase price.
Closing costs + prepaids$12,095Not just lender fees.
Before credits & paid funds$70,412The complete starting cash picture.
Estimated remaining funds due at closing
$70,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,317.58
Your down payment$58,317.58
Closing costs + prepaids$12,094.69
Total buyer cash needed$70,412.28
Remaining funds due$70,412.28
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,708.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$344.50
Prepaid interest, first (22 days)$823.78
Fees + prepaids$12,094.69
Your down payment is the seller’s equity. You take over the $341,682 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $70,412.28 is due at closing. Uses and sources reconcile at $412,094.69 each. Not a Closing Disclosure.