Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,649Cash toward the purchase price.
Closing costs + prepaids$12,944Not just lender fees.
Before credits & paid funds$71,593The complete starting cash picture.
Estimated remaining funds due at closing
$71,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,648.95
Your down payment$58,648.95
Closing costs + prepaids$12,943.61
Total buyer cash needed$71,592.55
Remaining funds due$71,592.55
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%)$1,606.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$632.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (25 days)$638.10
Fees + prepaids$12,943.61
Your down payment is the seller’s equity. You take over the $321,251 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $71,592.55 is due at closing. Uses and sources reconcile at $392,843.61 each. Not a Closing Disclosure.