Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$57,948Cash toward the purchase price.
Closing costs + prepaids$15,082Not just lender fees.
Before credits & paid funds$73,030The complete starting cash picture.
Estimated remaining funds due at closing
$73,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,948.14
Your down payment$57,948.14
Closing costs + prepaids$15,081.60
Total buyer cash needed$73,029.73
Remaining funds due$73,029.73
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,750.00
Prepaid interest, first (29 days)$1,878.34
Fees + prepaids$15,081.60
Your down payment is the seller’s equity. You take over the $377,052 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $73,029.73 is due at closing. Uses and sources reconcile at $450,081.60 each. Not a Closing Disclosure.