Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$59,044Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$70,874The complete starting cash picture.
Estimated remaining funds due at closing
$70,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,043.53
Your down payment$59,043.53
Closing costs + prepaids$11,830.31
Total buyer cash needed$70,873.84
Remaining funds due$70,873.84
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,504.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$103.75
Prepaid interest, first (25 days)$1,403.78
Fees + prepaids$11,830.31
Your down payment is the seller’s equity. You take over the $300,956 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $70,873.84 is due at closing. Uses and sources reconcile at $371,830.31 each. Not a Closing Disclosure.