Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$68,906Cash toward the purchase price.
Closing costs + prepaids$12,948Not just lender fees.
Before credits & paid funds$81,854The complete starting cash picture.
Estimated remaining funds due at closing
$81,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,905.52
Your down payment$68,905.52
Closing costs + prepaids$12,948.36
Total buyer cash needed$81,853.88
Remaining funds due$81,853.88
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%)$1,750.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$427.75
Initial HOA (3 months)$144.00
Prepaid interest, first (20 days)$1,218.14
Fees + prepaids$12,948.36
Your down payment is the seller’s equity. You take over the $350,094 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $81,853.88 is due at closing. Uses and sources reconcile at $431,948.36 each. Not a Closing Disclosure.