Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$59,163Cash toward the purchase price.
Closing costs + prepaids$12,351Not just lender fees.
Before credits & paid funds$71,514The complete starting cash picture.
Estimated remaining funds due at closing
$71,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,162.72
Your down payment$59,162.72
Closing costs + prepaids$12,351.13
Total buyer cash needed$71,513.85
Remaining funds due$71,513.85
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.75
Prepaid interest, first (12 days)$317.19
Fees + prepaids$12,351.13
Your down payment is the seller’s equity. You take over the $379,837 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $71,513.85 is due at closing. Uses and sources reconcile at $451,351.13 each. Not a Closing Disclosure.