Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,221Cash toward the purchase price.
Closing costs + prepaids$12,226Not just lender fees.
Before credits & paid funds$65,447The complete starting cash picture.
Estimated remaining funds due at closing
$65,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,221.38
Your down payment$53,221.38
Closing costs + prepaids$12,225.58
Total buyer cash needed$65,446.96
Remaining funds due$65,446.96
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$223.75
Prepaid interest, first (31 days)$1,724.93
Fees + prepaids$12,225.58
Your down payment is the seller’s equity. You take over the $301,779 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $65,446.96 is due at closing. Uses and sources reconcile at $367,225.58 each. Not a Closing Disclosure.