Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$72,161Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$84,864The complete starting cash picture.
Estimated remaining funds due at closing
$84,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,161.39
Your down payment$72,161.39
Closing costs + prepaids$12,702.86
Total buyer cash needed$84,864.25
Remaining funds due$84,864.25
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,914.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (7 days)$224.67
Fees + prepaids$12,702.86
Your down payment is the seller’s equity. You take over the $382,839 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $84,864.25 is due at closing. Uses and sources reconcile at $467,702.86 each. Not a Closing Disclosure.