Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,818Cash toward the purchase price.
Closing costs + prepaids$13,837Not just lender fees.
Before credits & paid funds$66,655The complete starting cash picture.
Estimated remaining funds due at closing
$66,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,818.36
Your down payment$52,818.36
Closing costs + prepaids$13,836.72
Total buyer cash needed$66,655.08
Remaining funds due$66,655.08
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%)$4,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,760.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.25
Prepaid interest, first (27 days)$1,797.06
Fees + prepaids$13,836.72
Your down payment is the seller’s equity. You take over the $352,082 balance, so the rest of the $404,900 price is paid at closing. A second mortgage can cover part of it. $66,655.08 is due at closing. Uses and sources reconcile at $418,736.72 each. Not a Closing Disclosure.