Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$70,717Cash toward the purchase price.
Closing costs + prepaids$12,441Not just lender fees.
Before credits & paid funds$83,158The complete starting cash picture.
Estimated remaining funds due at closing
$83,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,717.08
Your down payment$70,717.08
Closing costs + prepaids$12,441.00
Total buyer cash needed$83,158.08
Remaining funds due$83,158.08
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%)$1,720.91
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 (14 days)$834.34
Fees + prepaids$12,441.00
Your down payment is the seller’s equity. You take over the $344,183 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $83,158.08 is due at closing. Uses and sources reconcile at $427,341.00 each. Not a Closing Disclosure.