Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,512Cash toward the purchase price.
Closing costs + prepaids$11,573Not just lender fees.
Before credits & paid funds$71,085The complete starting cash picture.
Estimated remaining funds due at closing
$71,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,511.92
Your down payment$59,511.92
Closing costs + prepaids$11,573.15
Total buyer cash needed$71,085.06
Remaining funds due$71,085.06
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%)$3,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,552.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.75
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$538.97
Fees + prepaids$11,573.15
Your down payment is the seller’s equity. You take over the $310,487 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $71,085.06 is due at closing. Uses and sources reconcile at $381,572.15 each. Not a Closing Disclosure.