Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,991Cash toward the purchase price.
Closing costs + prepaids$12,521Not just lender fees.
Before credits & paid funds$60,512The complete starting cash picture.
Estimated remaining funds due at closing
$60,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,990.88
Your down payment$47,990.88
Closing costs + prepaids$12,520.81
Total buyer cash needed$60,511.69
Remaining funds due$60,511.69
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,609.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.50
Prepaid interest, first (27 days)$1,578.77
Fees + prepaids$12,520.81
Your down payment is the seller’s equity. You take over the $321,909 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $60,511.69 is due at closing. Uses and sources reconcile at $382,420.81 each. Not a Closing Disclosure.