Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,870Cash toward the purchase price.
Closing costs + prepaids$12,831Not just lender fees.
Before credits & paid funds$58,701The complete starting cash picture.
Estimated remaining funds due at closing
$58,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,869.95
Your down payment$45,869.95
Closing costs + prepaids$12,830.96
Total buyer cash needed$58,700.91
Remaining funds due$58,700.91
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%)$1,570.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.75
Prepaid interest, first (30 days)$1,830.56
Fees + prepaids$12,830.96
Your down payment is the seller’s equity. You take over the $314,130 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $58,700.91 is due at closing. Uses and sources reconcile at $372,830.96 each. Not a Closing Disclosure.