Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,720Cash toward the purchase price.
Closing costs + prepaids$13,500Not just lender fees.
Before credits & paid funds$69,219The complete starting cash picture.
Estimated remaining funds due at closing
$69,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,719.53
Your down payment$55,719.53
Closing costs + prepaids$13,499.92
Total buyer cash needed$69,219.45
Remaining funds due$69,219.45
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%)$1,870.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$328.25
Prepaid interest, first (25 days)$1,783.76
Fees + prepaids$13,499.92
Your down payment is the seller’s equity. You take over the $374,180 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $69,219.45 is due at closing. Uses and sources reconcile at $443,399.92 each. Not a Closing Disclosure.