Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$74,618Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$85,752The complete starting cash picture.
Estimated remaining funds due at closing
$85,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,618.44
Your down payment$74,618.44
Closing costs + prepaids$11,133.90
Total buyer cash needed$85,752.34
Remaining funds due$85,752.34
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,526.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.00
Prepaid interest, first (6 days)$134.49
Fees + prepaids$11,133.90
Your down payment is the seller’s equity. You take over the $305,282 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $85,752.34 is due at closing. Uses and sources reconcile at $391,033.90 each. Not a Closing Disclosure.