Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$72,975Cash toward the purchase price.
Closing costs + prepaids$12,616Not just lender fees.
Before credits & paid funds$85,591The complete starting cash picture.
Estimated remaining funds due at closing
$85,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,975.21
Your down payment$72,975.21
Closing costs + prepaids$12,615.57
Total buyer cash needed$85,590.78
Remaining funds due$85,590.78
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%)$4,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,672.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.75
Prepaid interest, first (24 days)$1,148.20
Fees + prepaids$12,615.57
Your down payment is the seller’s equity. You take over the $334,525 balance, so the rest of the $407,500 price is paid at closing. A second mortgage can cover part of it. $85,590.78 is due at closing. Uses and sources reconcile at $420,115.57 each. Not a Closing Disclosure.