Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$51,686Cash toward the purchase price.
Closing costs + prepaids$14,081Not just lender fees.
Before credits & paid funds$65,767The complete starting cash picture.
Estimated remaining funds due at closing
$65,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,685.93
Your down payment$51,685.93
Closing costs + prepaids$14,081.11
Total buyer cash needed$65,767.04
Remaining funds due$65,767.04
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,841.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,050.00
Prepaid interest, first (28 days)$1,771.54
Fees + prepaids$14,081.11
Your down payment is the seller’s equity. You take over the $368,314 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $65,767.04 is due at closing. Uses and sources reconcile at $434,081.11 each. Not a Closing Disclosure.