Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,720Cash toward the purchase price.
Closing costs + prepaids$13,490Not just lender fees.
Before credits & paid funds$73,210The complete starting cash picture.
Estimated remaining funds due at closing
$73,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,720.00
Your down payment$59,720.00
Closing costs + prepaids$13,489.52
Total buyer cash needed$73,209.52
Remaining funds due$73,209.52
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,675.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.25
Prepaid interest, first (26 days)$1,659.37
Fees + prepaids$13,489.52
Your down payment is the seller’s equity. You take over the $335,180 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $73,209.52 is due at closing. Uses and sources reconcile at $408,389.52 each. Not a Closing Disclosure.