Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$58,624Cash toward the purchase price.
Closing costs + prepaids$11,855Not just lender fees.
Before credits & paid funds$70,480The complete starting cash picture.
Estimated remaining funds due at closing
$70,480No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,624.49
Your down payment$58,624.49
Closing costs + prepaids$11,855.49
Total buyer cash needed$70,479.98
Remaining funds due$70,479.98
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,781.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.75
Prepaid interest, first (2 days)$137.86
Fees + prepaids$11,855.49
Your down payment is the seller’s equity. You take over the $356,376 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $70,479.98 is due at closing. Uses and sources reconcile at $426,855.49 each. Not a Closing Disclosure.