Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$61,656Cash toward the purchase price.
Closing costs + prepaids$11,138Not just lender fees.
Before credits & paid funds$72,794The complete starting cash picture.
Estimated remaining funds due at closing
$72,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,656.24
Your down payment$61,656.24
Closing costs + prepaids$11,137.72
Total buyer cash needed$72,793.96
Remaining funds due$72,793.96
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%)$1,491.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$324.50
Prepaid interest, first (22 days)$503.51
Fees + prepaids$11,137.72
Your down payment is the seller’s equity. You take over the $298,344 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $72,793.96 is due at closing. Uses and sources reconcile at $371,137.72 each. Not a Closing Disclosure.