Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$68,781Cash toward the purchase price.
Closing costs + prepaids$11,673Not just lender fees.
Before credits & paid funds$80,455The complete starting cash picture.
Estimated remaining funds due at closing
$80,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,781.20
Your down payment$68,781.20
Closing costs + prepaids$11,673.31
Total buyer cash needed$80,454.51
Remaining funds due$80,454.51
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,651.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Prepaid interest, first (12 days)$335.47
Fees + prepaids$11,673.31
Your down payment is the seller’s equity. You take over the $330,219 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $80,454.51 is due at closing. Uses and sources reconcile at $410,673.31 each. Not a Closing Disclosure.