Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,669Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$76,208The complete starting cash picture.
Estimated remaining funds due at closing
$76,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,668.91
Your down payment$63,668.91
Closing costs + prepaids$12,539.13
Total buyer cash needed$76,208.04
Remaining funds due$76,208.04
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%)$4,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,869.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.50
Prepaid interest, first (31 days)$752.48
Fees + prepaids$12,539.13
Your down payment is the seller’s equity. You take over the $373,831 balance, so the rest of the $437,500 price is paid at closing. A second mortgage can cover part of it. $76,208.04 is due at closing. Uses and sources reconcile at $450,039.13 each. Not a Closing Disclosure.