Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,883Cash toward the purchase price.
Closing costs + prepaids$12,296Not just lender fees.
Before credits & paid funds$57,179The complete starting cash picture.
Estimated remaining funds due at closing
$57,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,883.22
Your down payment$44,883.22
Closing costs + prepaids$12,295.76
Total buyer cash needed$57,178.98
Remaining funds due$57,178.98
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%)$3,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,575.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,321.00
Prepaid interest, first (22 days)$581.19
Fees + prepaids$12,295.76
Your down payment is the seller’s equity. You take over the $315,116 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $57,178.98 is due at closing. Uses and sources reconcile at $372,294.76 each. Not a Closing Disclosure.