Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,300Cash toward the purchase price.
Closing costs + prepaids$11,553Not just lender fees.
Before credits & paid funds$50,853The complete starting cash picture.
Estimated remaining funds due at closing
$50,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,300.42
Your down payment$39,300.42
Closing costs + prepaids$11,552.87
Total buyer cash needed$50,853.29
Remaining funds due$50,853.29
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,603.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.25
Prepaid interest, first (31 days)$817.12
Fees + prepaids$11,552.87
Your down payment is the seller’s equity. You take over the $320,700 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $50,853.29 is due at closing. Uses and sources reconcile at $371,552.87 each. Not a Closing Disclosure.