Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$69,009Cash toward the purchase price.
Closing costs + prepaids$13,716Not just lender fees.
Before credits & paid funds$82,725The complete starting cash picture.
Estimated remaining funds due at closing
$82,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,009.01
Your down payment$69,009.01
Closing costs + prepaids$13,716.28
Total buyer cash needed$82,725.29
Remaining funds due$82,725.29
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,729.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$901.50
Initial HOA (3 months)$240.00
Prepaid interest, first (25 days)$1,478.33
Fees + prepaids$13,716.28
Your down payment is the seller’s equity. You take over the $345,891 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $82,725.29 is due at closing. Uses and sources reconcile at $428,616.28 each. Not a Closing Disclosure.