Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$69,883Cash toward the purchase price.
Closing costs + prepaids$11,710Not just lender fees.
Before credits & paid funds$81,593The complete starting cash picture.
Estimated remaining funds due at closing
$81,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,883.17
Your down payment$69,883.17
Closing costs + prepaids$11,709.55
Total buyer cash needed$81,592.72
Remaining funds due$81,592.72
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,710.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.50
Prepaid interest, first (6 days)$166.47
Fees + prepaids$11,709.55
Your down payment is the seller’s equity. You take over the $342,117 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $81,592.72 is due at closing. Uses and sources reconcile at $423,709.55 each. Not a Closing Disclosure.