Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$63,422Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$75,877The complete starting cash picture.
Estimated remaining funds due at closing
$75,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,421.97
Your down payment$63,421.97
Closing costs + prepaids$12,455.17
Total buyer cash needed$75,877.14
Remaining funds due$75,877.14
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,757.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$642.50
Prepaid interest, first (23 days)$686.78
Fees + prepaids$12,455.17
Your down payment is the seller’s equity. You take over the $351,578 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $75,877.14 is due at closing. Uses and sources reconcile at $427,455.17 each. Not a Closing Disclosure.