Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$56,649Cash toward the purchase price.
Closing costs + prepaids$11,967Not just lender fees.
Before credits & paid funds$68,617The complete starting cash picture.
Estimated remaining funds due at closing
$68,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,649.13
Your down payment$56,649.13
Closing costs + prepaids$11,967.40
Total buyer cash needed$68,616.53
Remaining funds due$68,616.53
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,516.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$275.75
Prepaid interest, first (25 days)$1,358.40
Fees + prepaids$11,967.40
Your down payment is the seller’s equity. You take over the $303,251 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $68,616.53 is due at closing. Uses and sources reconcile at $371,867.40 each. Not a Closing Disclosure.