Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$61,957Cash toward the purchase price.
Closing costs + prepaids$12,746Not just lender fees.
Before credits & paid funds$74,703The complete starting cash picture.
Estimated remaining funds due at closing
$74,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,957.06
Your down payment$61,957.06
Closing costs + prepaids$12,745.84
Total buyer cash needed$74,702.90
Remaining funds due$74,702.90
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%)$3,879.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,630.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$970.00
Prepaid interest, first (23 days)$1,047.77
Fees + prepaids$12,745.84
Your down payment is the seller’s equity. You take over the $326,033 balance, so the rest of the $387,990 price is paid at closing. A second mortgage can cover part of it. $74,702.90 is due at closing. Uses and sources reconcile at $400,735.84 each. Not a Closing Disclosure.