Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,026Cash toward the purchase price.
Closing costs + prepaids$12,425Not just lender fees.
Before credits & paid funds$68,450The complete starting cash picture.
Estimated remaining funds due at closing
$68,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,025.87
Your down payment$56,025.87
Closing costs + prepaids$12,424.51
Total buyer cash needed$68,450.38
Remaining funds due$68,450.38
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,814.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,137.00
Prepaid interest, first (2 days)$64.64
Fees + prepaids$12,424.51
Your down payment is the seller’s equity. You take over the $362,974 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $68,450.38 is due at closing. Uses and sources reconcile at $431,424.51 each. Not a Closing Disclosure.