Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,998Cash toward the purchase price.
Closing costs + prepaids$12,535Not just lender fees.
Before credits & paid funds$73,533The complete starting cash picture.
Estimated remaining funds due at closing
$73,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,997.66
Your down payment$60,997.66
Closing costs + prepaids$12,535.48
Total buyer cash needed$73,533.14
Remaining funds due$73,533.14
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,490.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.50
Prepaid interest, first (28 days)$1,773.97
Fees + prepaids$12,535.48
Your down payment is the seller’s equity. You take over the $298,002 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $73,533.14 is due at closing. Uses and sources reconcile at $371,535.48 each. Not a Closing Disclosure.