Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,450Cash toward the purchase price.
Closing costs + prepaids$13,263Not just lender fees.
Before credits & paid funds$82,713The complete starting cash picture.
Estimated remaining funds due at closing
$82,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,450.16
Your down payment$69,450.16
Closing costs + prepaids$13,263.04
Total buyer cash needed$82,713.20
Remaining funds due$82,713.20
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%)$3,520.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,620.25
Initial HOA (3 months)$100.50
Prepaid interest, first (28 days)$1,391.54
Fees + prepaids$13,263.04
Your down payment is the seller’s equity. You take over the $282,550 balance, so the rest of the $352,000 price is paid at closing. A second mortgage can cover part of it. $82,713.20 is due at closing. Uses and sources reconcile at $365,263.04 each. Not a Closing Disclosure.