Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$58,971Cash toward the purchase price.
Closing costs + prepaids$12,955Not just lender fees.
Before credits & paid funds$71,926The complete starting cash picture.
Estimated remaining funds due at closing
$71,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,970.89
Your down payment$58,970.89
Closing costs + prepaids$12,955.46
Total buyer cash needed$71,926.35
Remaining funds due$71,926.35
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,780.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.75
Prepaid interest, first (18 days)$1,239.57
Fees + prepaids$12,955.46
Your down payment is the seller’s equity. You take over the $356,029 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $71,926.35 is due at closing. Uses and sources reconcile at $427,955.46 each. Not a Closing Disclosure.