Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$75,063Cash toward the purchase price.
Closing costs + prepaids$13,178Not just lender fees.
Before credits & paid funds$88,241The complete starting cash picture.
Estimated remaining funds due at closing
$88,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,063.07
Your down payment$75,063.07
Closing costs + prepaids$13,178.30
Total buyer cash needed$88,241.37
Remaining funds due$88,241.37
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,769.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Prepaid interest, first (28 days)$828.12
Fees + prepaids$13,178.30
Your down payment is the seller’s equity. You take over the $353,937 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $88,241.37 is due at closing. Uses and sources reconcile at $442,178.30 each. Not a Closing Disclosure.