Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,724Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$70,658The complete starting cash picture.
Estimated remaining funds due at closing
$70,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,723.50
Your down payment$57,723.50
Closing costs + prepaids$12,934.08
Total buyer cash needed$70,657.59
Remaining funds due$70,657.59
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,686.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.75
Prepaid interest, first (28 days)$1,642.95
Fees + prepaids$12,934.08
Your down payment is the seller’s equity. You take over the $337,276 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $70,657.59 is due at closing. Uses and sources reconcile at $407,934.08 each. Not a Closing Disclosure.