Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$52,743Cash toward the purchase price.
Closing costs + prepaids$12,997Not just lender fees.
Before credits & paid funds$65,740The complete starting cash picture.
Estimated remaining funds due at closing
$65,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,743.06
Your down payment$52,743.06
Closing costs + prepaids$12,996.77
Total buyer cash needed$65,739.83
Remaining funds due$65,739.83
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,885.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$325.50
Prepaid interest, first (18 days)$1,268.49
Fees + prepaids$12,996.77
Your down payment is the seller’s equity. You take over the $377,157 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $65,739.83 is due at closing. Uses and sources reconcile at $442,896.77 each. Not a Closing Disclosure.