Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,654Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$67,604The complete starting cash picture.
Estimated remaining funds due at closing
$67,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,653.51
Your down payment$55,653.51
Closing costs + prepaids$11,950.60
Total buyer cash needed$67,604.11
Remaining funds due$67,604.11
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,521.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.00
Prepaid interest, first (24 days)$1,384.36
Fees + prepaids$11,950.60
Your down payment is the seller’s equity. You take over the $304,246 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $67,604.11 is due at closing. Uses and sources reconcile at $371,850.60 each. Not a Closing Disclosure.