Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$51,114Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$63,774The complete starting cash picture.
Estimated remaining funds due at closing
$63,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,113.77
Your down payment$51,113.77
Closing costs + prepaids$12,660.16
Total buyer cash needed$63,773.93
Remaining funds due$63,773.93
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,839.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$523.75
Prepaid interest, first (14 days)$888.97
Fees + prepaids$12,660.16
Your down payment is the seller’s equity. You take over the $367,886 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $63,773.93 is due at closing. Uses and sources reconcile at $431,660.16 each. Not a Closing Disclosure.