Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,579Cash toward the purchase price.
Closing costs + prepaids$13,189Not just lender fees.
Before credits & paid funds$87,768The complete starting cash picture.
Estimated remaining funds due at closing
$87,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,578.77
Your down payment$74,578.77
Closing costs + prepaids$13,189.16
Total buyer cash needed$87,767.93
Remaining funds due$87,767.93
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,722.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,357.00
Prepaid interest, first (24 days)$702.05
Fees + prepaids$13,189.16
Your down payment is the seller’s equity. You take over the $344,421 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $87,767.93 is due at closing. Uses and sources reconcile at $432,189.16 each. Not a Closing Disclosure.