Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$69,443Cash toward the purchase price.
Closing costs + prepaids$14,469Not just lender fees.
Before credits & paid funds$83,912The complete starting cash picture.
Estimated remaining funds due at closing
$83,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,443.15
Your down payment$69,443.15
Closing costs + prepaids$14,468.51
Total buyer cash needed$83,911.66
Remaining funds due$83,911.66
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,263.50
Initial HOA (3 months)$260.01
Prepaid interest, first (26 days)$849.22
Fees + prepaids$14,468.51
Your down payment is the seller’s equity. You take over the $345,557 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $83,911.66 is due at closing. Uses and sources reconcile at $429,468.51 each. Not a Closing Disclosure.