Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,471Cash toward the purchase price.
Closing costs + prepaids$12,492Not just lender fees.
Before credits & paid funds$71,964The complete starting cash picture.
Estimated remaining funds due at closing
$71,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,471.40
Your down payment$59,471.40
Closing costs + prepaids$12,492.27
Total buyer cash needed$71,963.67
Remaining funds due$71,963.67
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,852.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.50
Prepaid interest, first (25 days)$779.13
Fees + prepaids$12,492.27
Your down payment is the seller’s equity. You take over the $370,529 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $71,963.67 is due at closing. Uses and sources reconcile at $442,492.27 each. Not a Closing Disclosure.