Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$59,879Cash toward the purchase price.
Closing costs + prepaids$12,715Not just lender fees.
Before credits & paid funds$72,594The complete starting cash picture.
Estimated remaining funds due at closing
$72,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,879.39
Your down payment$59,879.39
Closing costs + prepaids$12,714.66
Total buyer cash needed$72,594.05
Remaining funds due$72,594.05
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,575.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,560.50
Prepaid interest, first (26 days)$610.56
Fees + prepaids$12,714.66
Your down payment is the seller’s equity. You take over the $315,121 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $72,594.05 is due at closing. Uses and sources reconcile at $387,714.66 each. Not a Closing Disclosure.