Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$65,438Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$77,282The complete starting cash picture.
Estimated remaining funds due at closing
$77,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,438.47
Your down payment$65,438.47
Closing costs + prepaids$11,843.97
Total buyer cash needed$77,282.44
Remaining funds due$77,282.44
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,672.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.00
Prepaid interest, first (23 days)$607.16
Fees + prepaids$11,843.97
Your down payment is the seller’s equity. You take over the $334,562 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $77,282.44 is due at closing. Uses and sources reconcile at $411,843.97 each. Not a Closing Disclosure.