Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,906Cash toward the purchase price.
Closing costs + prepaids$13,375Not just lender fees.
Before credits & paid funds$82,280The complete starting cash picture.
Estimated remaining funds due at closing
$82,280No 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$13,374.71
Total buyer cash needed$82,280.22
Remaining funds due$82,280.22
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 (27 days)$1,644.48
Fees + prepaids$13,374.71
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. $82,280.22 is due at closing. Uses and sources reconcile at $432,374.71 each. Not a Closing Disclosure.