Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,127Cash toward the purchase price.
Closing costs + prepaids$14,206Not just lender fees.
Before credits & paid funds$90,333The complete starting cash picture.
Estimated remaining funds due at closing
$90,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,126.94
Your down payment$76,126.94
Closing costs + prepaids$14,205.62
Total buyer cash needed$90,332.56
Remaining funds due$90,332.56
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%)$4,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,659.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,144.25
Prepaid interest, first (26 days)$1,104.00
Fees + prepaids$14,205.62
Your down payment is the seller’s equity. You take over the $331,873 balance, so the rest of the $408,000 price is paid at closing. A second mortgage can cover part of it. $90,332.56 is due at closing. Uses and sources reconcile at $422,205.62 each. Not a Closing Disclosure.