Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$63,706Cash toward the purchase price.
Closing costs + prepaids$13,403Not just lender fees.
Before credits & paid funds$77,109The complete starting cash picture.
Estimated remaining funds due at closing
$77,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,706.12
Your down payment$63,706.12
Closing costs + prepaids$13,403.08
Total buyer cash needed$77,109.20
Remaining funds due$77,109.20
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%)$1,530.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,472.75
Initial HOA (3 months)$267.99
Prepaid interest, first (22 days)$1,214.37
Fees + prepaids$13,403.08
Your down payment is the seller’s equity. You take over the $306,194 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $77,109.20 is due at closing. Uses and sources reconcile at $383,303.08 each. Not a Closing Disclosure.