Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$71,252Cash toward the purchase price.
Closing costs + prepaids$13,802Not just lender fees.
Before credits & paid funds$85,054The complete starting cash picture.
Estimated remaining funds due at closing
$85,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,251.95
Your down payment$71,251.95
Closing costs + prepaids$13,802.19
Total buyer cash needed$85,054.14
Remaining funds due$85,054.14
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%)$4,435.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,861.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.50
Prepaid interest, first (29 days)$1,851.45
Fees + prepaids$13,802.19
Your down payment is the seller’s equity. You take over the $372,248 balance, so the rest of the $443,500 price is paid at closing. A second mortgage can cover part of it. $85,054.14 is due at closing. Uses and sources reconcile at $457,302.19 each. Not a Closing Disclosure.