Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$58,243Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$71,240The complete starting cash picture.
Estimated remaining funds due at closing
$71,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,242.82
Your down payment$58,242.82
Closing costs + prepaids$12,997.03
Total buyer cash needed$71,239.85
Remaining funds due$71,239.85
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,783.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$956.25
Initial HOA (3 months)$231.00
Prepaid interest, first (22 days)$658.00
Fees + prepaids$12,997.03
Your down payment is the seller’s equity. You take over the $356,757 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $71,239.85 is due at closing. Uses and sources reconcile at $427,997.03 each. Not a Closing Disclosure.