Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$63,706Cash toward the purchase price.
Closing costs + prepaids$13,845Not just lender fees.
Before credits & paid funds$77,551The complete starting cash picture.
Estimated remaining funds due at closing
$77,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,706.12
Your down payment$63,706.12
Closing costs + prepaids$13,844.67
Total buyer cash needed$77,550.80
Remaining funds due$77,550.80
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,472.75
Initial HOA (3 months)$267.99
Prepaid interest, first (30 days)$1,655.96
Fees + prepaids$13,844.67
Your down payment is the seller’s equity. You take over the $306,194 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $77,550.80 is due at closing. Uses and sources reconcile at $383,744.67 each. Not a Closing Disclosure.