Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$58,659Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$69,816The complete starting cash picture.
Estimated remaining funds due at closing
$69,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,659.37
Your down payment$58,659.37
Closing costs + prepaids$11,156.57
Total buyer cash needed$69,815.94
Remaining funds due$69,815.94
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%)$3,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,381.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.75
Initial HOA (3 months)$225.00
Prepaid interest, first (30 days)$654.13
Fees + prepaids$11,156.57
Your down payment is the seller’s equity. You take over the $276,340 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $69,815.94 is due at closing. Uses and sources reconcile at $346,155.57 each. Not a Closing Disclosure.