Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$57,956Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$70,617The complete starting cash picture.
Estimated remaining funds due at closing
$70,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,956.49
Your down payment$57,956.49
Closing costs + prepaids$12,660.26
Total buyer cash needed$70,616.76
Remaining funds due$70,616.76
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,609.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$194.50
Prepaid interest, first (30 days)$1,839.05
Fees + prepaids$12,660.26
Your down payment is the seller’s equity. You take over the $321,944 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $70,616.76 is due at closing. Uses and sources reconcile at $392,560.26 each. Not a Closing Disclosure.