Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$61,686Cash toward the purchase price.
Closing costs + prepaids$11,717Not just lender fees.
Before credits & paid funds$73,403The complete starting cash picture.
Estimated remaining funds due at closing
$73,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,685.74
Your down payment$61,685.74
Closing costs + prepaids$11,716.88
Total buyer cash needed$73,402.62
Remaining funds due$73,402.62
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%)$3,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,406.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$320.25
Initial HOA (3 months)$438.00
Prepaid interest, first (23 days)$904.06
Fees + prepaids$11,716.88
Your down payment is the seller’s equity. You take over the $281,314 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $73,402.62 is due at closing. Uses and sources reconcile at $354,716.88 each. Not a Closing Disclosure.