Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,659Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$78,006The complete starting cash picture.
Estimated remaining funds due at closing
$78,006No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,659.19
Your down payment$65,659.19
Closing costs + prepaids$12,346.48
Total buyer cash needed$78,005.67
Remaining funds due$78,005.67
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%)$4,059.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,701.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$557.50
Prepaid interest, first (31 days)$809.35
Fees + prepaids$12,346.48
Your down payment is the seller’s equity. You take over the $340,336 balance, so the rest of the $405,995 price is paid at closing. A second mortgage can cover part of it. $78,005.67 is due at closing. Uses and sources reconcile at $418,341.48 each. Not a Closing Disclosure.