Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$64,322Cash toward the purchase price.
Closing costs + prepaids$12,538Not just lender fees.
Before credits & paid funds$76,860The complete starting cash picture.
Estimated remaining funds due at closing
$76,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,321.69
Your down payment$64,321.69
Closing costs + prepaids$12,538.30
Total buyer cash needed$76,859.99
Remaining funds due$76,859.99
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$211.25
Initial HOA (3 months)$75.00
Prepaid interest, first (25 days)$1,207.16
Fees + prepaids$12,538.30
Your down payment is the seller’s equity. You take over the $345,578 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $76,859.99 is due at closing. Uses and sources reconcile at $422,438.30 each. Not a Closing Disclosure.