Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$56,971Cash toward the purchase price.
Closing costs + prepaids$12,243Not just lender fees.
Before credits & paid funds$69,214The complete starting cash picture.
Estimated remaining funds due at closing
$69,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,970.89
Your down payment$56,970.89
Closing costs + prepaids$12,243.43
Total buyer cash needed$69,214.32
Remaining funds due$69,214.32
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%)$4,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,780.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.50
Prepaid interest, first (9 days)$619.78
Fees + prepaids$12,243.43
Your down payment is the seller’s equity. You take over the $356,029 balance, so the rest of the $413,000 price is paid at closing. A second mortgage can cover part of it. $69,214.32 is due at closing. Uses and sources reconcile at $425,243.43 each. Not a Closing Disclosure.