Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$79,347Cash toward the purchase price.
Closing costs + prepaids$12,066Not just lender fees.
Before credits & paid funds$91,412The complete starting cash picture.
Estimated remaining funds due at closing
$91,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,346.54
Your down payment$79,346.54
Closing costs + prepaids$12,065.68
Total buyer cash needed$91,412.22
Remaining funds due$91,412.22
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%)$1,678.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.50
Prepaid interest, first (19 days)$684.92
Fees + prepaids$12,065.68
Your down payment is the seller’s equity. You take over the $335,653 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $91,412.22 is due at closing. Uses and sources reconcile at $427,065.68 each. Not a Closing Disclosure.