Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$71,422Cash toward the purchase price.
Closing costs + prepaids$13,215Not just lender fees.
Before credits & paid funds$84,637The complete starting cash picture.
Estimated remaining funds due at closing
$84,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,421.75
Your down payment$71,421.75
Closing costs + prepaids$13,214.80
Total buyer cash needed$84,636.54
Remaining funds due$84,636.54
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,692.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,206.00
Initial HOA (3 months)$198.00
Prepaid interest, first (29 days)$801.41
Fees + prepaids$13,214.80
Your down payment is the seller’s equity. You take over the $338,478 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $84,636.54 is due at closing. Uses and sources reconcile at $423,114.80 each. Not a Closing Disclosure.