Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$63,405Cash toward the purchase price.
Closing costs + prepaids$13,914Not just lender fees.
Before credits & paid funds$77,318The complete starting cash picture.
Estimated remaining funds due at closing
$77,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,404.61
Your down payment$63,404.61
Closing costs + prepaids$13,913.63
Total buyer cash needed$77,318.24
Remaining funds due$77,318.24
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,832.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$865.25
Initial HOA (3 months)$132.51
Prepaid interest, first (24 days)$1,566.39
Fees + prepaids$13,913.63
Your down payment is the seller’s equity. You take over the $366,495 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $77,318.24 is due at closing. Uses and sources reconcile at $443,813.63 each. Not a Closing Disclosure.