Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$55,724Cash toward the purchase price.
Closing costs + prepaids$11,921Not just lender fees.
Before credits & paid funds$67,645The complete starting cash picture.
Estimated remaining funds due at closing
$67,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,724.20
Your down payment$55,724.20
Closing costs + prepaids$11,921.26
Total buyer cash needed$67,645.46
Remaining funds due$67,645.46
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,471.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.25
Initial HOA (3 months)$690.00
Prepaid interest, first (26 days)$645.63
Fees + prepaids$11,921.26
Your down payment is the seller’s equity. You take over the $294,276 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $67,645.46 is due at closing. Uses and sources reconcile at $361,921.26 each. Not a Closing Disclosure.