Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$74,481Cash toward the purchase price.
Closing costs + prepaids$12,515Not just lender fees.
Before credits & paid funds$86,996The complete starting cash picture.
Estimated remaining funds due at closing
$86,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,480.97
Your down payment$74,480.97
Closing costs + prepaids$12,515.37
Total buyer cash needed$86,996.34
Remaining funds due$86,996.34
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,702.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (15 days)$927.53
Fees + prepaids$12,515.37
Your down payment is the seller’s equity. You take over the $340,419 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $86,996.34 is due at closing. Uses and sources reconcile at $427,415.37 each. Not a Closing Disclosure.