Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,718Cash toward the purchase price.
Closing costs + prepaids$12,246Not just lender fees.
Before credits & paid funds$63,964The complete starting cash picture.
Estimated remaining funds due at closing
$63,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,718.23
Your down payment$51,718.23
Closing costs + prepaids$12,245.64
Total buyer cash needed$63,963.87
Remaining funds due$63,963.87
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,516.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,298.00
Prepaid interest, first (26 days)$663.23
Fees + prepaids$12,245.64
Your down payment is the seller’s equity. You take over the $303,282 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $63,963.87 is due at closing. Uses and sources reconcile at $367,245.64 each. Not a Closing Disclosure.