Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$61,889Cash toward the purchase price.
Closing costs + prepaids$12,682Not just lender fees.
Before credits & paid funds$74,571The complete starting cash picture.
Estimated remaining funds due at closing
$74,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,888.93
Your down payment$61,888.93
Closing costs + prepaids$12,682.35
Total buyer cash needed$74,571.28
Remaining funds due$74,571.28
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,615.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$738.75
Prepaid interest, first (22 days)$1,260.04
Fees + prepaids$12,682.35
Your down payment is the seller’s equity. You take over the $323,111 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $74,571.28 is due at closing. Uses and sources reconcile at $397,682.35 each. Not a Closing Disclosure.