Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,404Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$81,516The complete starting cash picture.
Estimated remaining funds due at closing
$81,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,403.79
Your down payment$68,403.79
Closing costs + prepaids$13,112.09
Total buyer cash needed$81,515.88
Remaining funds due$81,515.88
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%)$3,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,532.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$485.00
Initial HOA (3 months)$1,566.00
Prepaid interest, first (23 days)$560.25
Fees + prepaids$13,112.09
Your down payment is the seller’s equity. You take over the $306,586 balance, so the rest of the $374,990 price is paid at closing. A second mortgage can cover part of it. $81,515.88 is due at closing. Uses and sources reconcile at $388,102.09 each. Not a Closing Disclosure.