Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$67,258Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$78,677The complete starting cash picture.
Estimated remaining funds due at closing
$78,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,257.55
Your down payment$67,257.55
Closing costs + prepaids$11,419.70
Total buyer cash needed$78,677.25
Remaining funds due$78,677.25
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,463.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$470.50
Prepaid interest, first (28 days)$668.99
Fees + prepaids$11,419.70
Your down payment is the seller’s equity. You take over the $292,642 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $78,677.25 is due at closing. Uses and sources reconcile at $371,319.70 each. Not a Closing Disclosure.