Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,570Cash toward the purchase price.
Closing costs + prepaids$12,389Not just lender fees.
Before credits & paid funds$65,960The complete starting cash picture.
Estimated remaining funds due at closing
$65,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,570.06
Your down payment$53,570.06
Closing costs + prepaids$12,389.50
Total buyer cash needed$65,959.56
Remaining funds due$65,959.56
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,582.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$518.75
Prepaid interest, first (31 days)$1,370.61
Fees + prepaids$12,389.50
Your down payment is the seller’s equity. You take over the $316,429 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $65,959.56 is due at closing. Uses and sources reconcile at $382,388.50 each. Not a Closing Disclosure.