Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$69,925Cash toward the purchase price.
Closing costs + prepaids$12,573Not just lender fees.
Before credits & paid funds$82,498The complete starting cash picture.
Estimated remaining funds due at closing
$82,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,925.28
Your down payment$69,925.28
Closing costs + prepaids$12,572.60
Total buyer cash needed$82,497.88
Remaining funds due$82,497.88
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,900.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (6 days)$414.23
Fees + prepaids$12,572.60
Your down payment is the seller’s equity. You take over the $380,075 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $82,497.88 is due at closing. Uses and sources reconcile at $462,572.60 each. Not a Closing Disclosure.