Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,985Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$74,712The complete starting cash picture.
Estimated remaining funds due at closing
$74,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,985.14
Your down payment$62,985.14
Closing costs + prepaids$11,726.91
Total buyer cash needed$74,712.06
Remaining funds due$74,712.06
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%)$3,507.10
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,438.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$876.75
Prepaid interest, first (28 days)$686.44
Fees + prepaids$11,726.91
Your down payment is the seller’s equity. You take over the $287,725 balance, so the rest of the $350,710 price is paid at closing. A second mortgage can cover part of it. $74,712.06 is due at closing. Uses and sources reconcile at $362,436.91 each. Not a Closing Disclosure.