Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$57,822Cash toward the purchase price.
Closing costs + prepaids$12,987Not just lender fees.
Before credits & paid funds$70,809The complete starting cash picture.
Estimated remaining funds due at closing
$70,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,821.64
Your down payment$57,821.64
Closing costs + prepaids$12,987.11
Total buyer cash needed$70,808.75
Remaining funds due$70,808.75
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,760.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$410.25
Prepaid interest, first (25 days)$1,497.96
Fees + prepaids$12,987.11
Your down payment is the seller’s equity. You take over the $352,178 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $70,808.75 is due at closing. Uses and sources reconcile at $422,987.11 each. Not a Closing Disclosure.