Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$61,089Cash toward the purchase price.
Closing costs + prepaids$12,190Not just lender fees.
Before credits & paid funds$73,279The complete starting cash picture.
Estimated remaining funds due at closing
$73,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,088.99
Your down payment$61,088.99
Closing costs + prepaids$12,190.35
Total buyer cash needed$73,279.34
Remaining funds due$73,279.34
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%)$1,694.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$41.00
Prepaid interest, first (24 days)$1,236.79
Fees + prepaids$12,190.35
Your down payment is the seller’s equity. You take over the $338,911 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $73,279.34 is due at closing. Uses and sources reconcile at $412,190.35 each. Not a Closing Disclosure.