Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$63,669Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$76,014The complete starting cash picture.
Estimated remaining funds due at closing
$76,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,668.91
Your down payment$63,668.91
Closing costs + prepaids$12,344.94
Total buyer cash needed$76,013.85
Remaining funds due$76,013.85
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,869.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.50
Prepaid interest, first (23 days)$558.29
Fees + prepaids$12,344.94
Your down payment is the seller’s equity. You take over the $373,831 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $76,013.85 is due at closing. Uses and sources reconcile at $449,844.94 each. Not a Closing Disclosure.