Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$59,108Cash toward the purchase price.
Closing costs + prepaids$12,763Not just lender fees.
Before credits & paid funds$71,871The complete starting cash picture.
Estimated remaining funds due at closing
$71,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,108.36
Your down payment$59,108.36
Closing costs + prepaids$12,762.92
Total buyer cash needed$71,871.28
Remaining funds due$71,871.28
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%)$1,603.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$949.75
Initial HOA (3 months)$42.99
Prepaid interest, first (28 days)$1,149.23
Fees + prepaids$12,762.92
Your down payment is the seller’s equity. You take over the $320,792 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $71,871.28 is due at closing. Uses and sources reconcile at $392,662.92 each. Not a Closing Disclosure.