Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,311Cash toward the purchase price.
Closing costs + prepaids$15,704Not just lender fees.
Before credits & paid funds$74,015The complete starting cash picture.
Estimated remaining funds due at closing
$74,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,311.07
Your down payment$58,311.07
Closing costs + prepaids$15,704.15
Total buyer cash needed$74,015.22
Remaining funds due$74,015.22
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,758.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,723.00
Prepaid interest, first (28 days)$1,904.71
Fees + prepaids$15,704.15
Your down payment is the seller’s equity. You take over the $351,689 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $74,015.22 is due at closing. Uses and sources reconcile at $425,704.15 each. Not a Closing Disclosure.