Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$55,049Cash toward the purchase price.
Closing costs + prepaids$12,617Not just lender fees.
Before credits & paid funds$67,665The complete starting cash picture.
Estimated remaining funds due at closing
$67,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,048.52
Your down payment$55,048.52
Closing costs + prepaids$12,616.89
Total buyer cash needed$67,665.41
Remaining funds due$67,665.41
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%)$1,574.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$828.00
Prepaid interest, first (27 days)$696.38
Fees + prepaids$12,616.89
Your down payment is the seller’s equity. You take over the $314,851 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $67,665.41 is due at closing. Uses and sources reconcile at $382,516.89 each. Not a Closing Disclosure.