Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$55,760Cash toward the purchase price.
Closing costs + prepaids$13,640Not just lender fees.
Before credits & paid funds$69,400The complete starting cash picture.
Estimated remaining funds due at closing
$69,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,759.86
Your down payment$55,759.86
Closing costs + prepaids$13,640.32
Total buyer cash needed$69,400.18
Remaining funds due$69,400.18
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,546.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,562.75
Prepaid interest, first (29 days)$1,663.37
Fees + prepaids$13,640.32
Your down payment is the seller’s equity. You take over the $309,240 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $69,400.18 is due at closing. Uses and sources reconcile at $378,640.32 each. Not a Closing Disclosure.