Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,114Cash toward the purchase price.
Closing costs + prepaids$13,029Not just lender fees.
Before credits & paid funds$76,144The complete starting cash picture.
Estimated remaining funds due at closing
$76,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,114.46
Your down payment$63,114.46
Closing costs + prepaids$13,029.35
Total buyer cash needed$76,143.81
Remaining funds due$76,143.81
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,709.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$552.50
Prepaid interest, first (24 days)$1,499.43
Fees + prepaids$13,029.35
Your down payment is the seller’s equity. You take over the $341,886 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $76,143.81 is due at closing. Uses and sources reconcile at $418,029.35 each. Not a Closing Disclosure.