Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,673Cash toward the purchase price.
Closing costs + prepaids$12,931Not just lender fees.
Before credits & paid funds$71,604The complete starting cash picture.
Estimated remaining funds due at closing
$71,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,673.48
Your down payment$58,673.48
Closing costs + prepaids$12,930.93
Total buyer cash needed$71,604.41
Remaining funds due$71,604.41
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,856.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$77.50
Prepaid interest, first (23 days)$1,478.80
Fees + prepaids$12,930.93
Your down payment is the seller’s equity. You take over the $371,327 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $71,604.41 is due at closing. Uses and sources reconcile at $442,930.93 each. Not a Closing Disclosure.