Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$67,251Cash toward the purchase price.
Closing costs + prepaids$11,798Not just lender fees.
Before credits & paid funds$79,049The complete starting cash picture.
Estimated remaining funds due at closing
$79,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,250.67
Your down payment$67,250.67
Closing costs + prepaids$11,797.86
Total buyer cash needed$79,048.53
Remaining funds due$79,048.53
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,488.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$499.50
Initial HOA (3 months)$210.00
Prepaid interest, first (31 days)$733.11
Fees + prepaids$11,797.86
Your down payment is the seller’s equity. You take over the $297,649 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $79,048.53 is due at closing. Uses and sources reconcile at $376,697.86 each. Not a Closing Disclosure.