Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$46,586Cash toward the purchase price.
Closing costs + prepaids$13,636Not just lender fees.
Before credits & paid funds$60,222The complete starting cash picture.
Estimated remaining funds due at closing
$60,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,585.93
Your down payment$46,585.93
Closing costs + prepaids$13,636.35
Total buyer cash needed$60,222.28
Remaining funds due$60,222.28
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,662.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,557.75
Prepaid interest, first (22 days)$1,408.52
Fees + prepaids$13,636.35
Your down payment is the seller’s equity. You take over the $332,414 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $60,222.28 is due at closing. Uses and sources reconcile at $392,636.35 each. Not a Closing Disclosure.