Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$54,113Cash toward the purchase price.
Closing costs + prepaids$12,576Not just lender fees.
Before credits & paid funds$66,688The complete starting cash picture.
Estimated remaining funds due at closing
$66,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,112.66
Your down payment$54,112.66
Closing costs + prepaids$12,575.80
Total buyer cash needed$66,688.46
Remaining funds due$66,688.46
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%)$4,234.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,846.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.25
Prepaid interest, first (31 days)$928.63
Fees + prepaids$12,575.80
Your down payment is the seller’s equity. You take over the $369,386 balance, so the rest of the $423,499 price is paid at closing. A second mortgage can cover part of it. $66,688.46 is due at closing. Uses and sources reconcile at $436,074.80 each. Not a Closing Disclosure.