Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$70,717Cash toward the purchase price.
Closing costs + prepaids$13,247Not just lender fees.
Before credits & paid funds$83,964The complete starting cash picture.
Estimated remaining funds due at closing
$83,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,717.08
Your down payment$70,717.08
Closing costs + prepaids$13,247.11
Total buyer cash needed$83,964.19
Remaining funds due$83,964.19
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,720.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.50
Prepaid interest, first (23 days)$1,370.70
Fees + prepaids$13,247.11
Your down payment is the seller’s equity. You take over the $344,183 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $83,964.19 is due at closing. Uses and sources reconcile at $428,147.11 each. Not a Closing Disclosure.