Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$71,499Cash toward the purchase price.
Closing costs + prepaids$12,893Not just lender fees.
Before credits & paid funds$84,392The complete starting cash picture.
Estimated remaining funds due at closing
$84,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,499.09
Your down payment$71,499.09
Closing costs + prepaids$12,892.54
Total buyer cash needed$84,391.64
Remaining funds due$84,391.64
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%)$3,597.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,441.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,276.75
Initial HOA (3 months)$62.49
Prepaid interest, first (31 days)$1,297.30
Fees + prepaids$12,892.54
Your down payment is the seller’s equity. You take over the $288,201 balance, so the rest of the $359,700 price is paid at closing. A second mortgage can cover part of it. $84,391.64 is due at closing. Uses and sources reconcile at $372,592.54 each. Not a Closing Disclosure.