Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$52,780Cash toward the purchase price.
Closing costs + prepaids$12,758Not just lender fees.
Before credits & paid funds$65,538The complete starting cash picture.
Estimated remaining funds due at closing
$65,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,780.38
Your down payment$52,780.38
Closing costs + prepaids$12,757.81
Total buyer cash needed$65,538.19
Remaining funds due$65,538.19
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,836.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (16 days)$978.72
Fees + prepaids$12,757.81
Your down payment is the seller’s equity. You take over the $367,220 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $65,538.19 is due at closing. Uses and sources reconcile at $432,757.81 each. Not a Closing Disclosure.