Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$67,059Cash toward the purchase price.
Closing costs + prepaids$11,947Not just lender fees.
Before credits & paid funds$79,006The complete starting cash picture.
Estimated remaining funds due at closing
$79,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,059.00
Your down payment$67,059.00
Closing costs + prepaids$11,947.49
Total buyer cash needed$79,006.49
Remaining funds due$79,006.49
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%)$4,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,714.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (18 days)$422.80
Fees + prepaids$11,947.49
Your down payment is the seller’s equity. You take over the $342,940 balance, so the rest of the $409,999 price is paid at closing. A second mortgage can cover part of it. $79,006.49 is due at closing. Uses and sources reconcile at $421,946.49 each. Not a Closing Disclosure.