Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,939Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$55,503The complete starting cash picture.
Estimated remaining funds due at closing
$55,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,938.74
Your down payment$43,938.74
Closing costs + prepaids$11,564.53
Total buyer cash needed$55,503.27
Remaining funds due$55,503.27
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,580.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.50
Prepaid interest, first (27 days)$696.72
Fees + prepaids$11,564.53
Your down payment is the seller’s equity. You take over the $316,061 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $55,503.27 is due at closing. Uses and sources reconcile at $371,564.53 each. Not a Closing Disclosure.