Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,596Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$71,329The complete starting cash picture.
Estimated remaining funds due at closing
$71,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,595.69
Your down payment$59,595.69
Closing costs + prepaids$11,733.24
Total buyer cash needed$71,328.93
Remaining funds due$71,328.93
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%)$1,477.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$711.75
Prepaid interest, first (26 days)$776.47
Fees + prepaids$11,733.24
Your down payment is the seller’s equity. You take over the $295,404 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $71,328.93 is due at closing. Uses and sources reconcile at $366,733.24 each. Not a Closing Disclosure.