Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,171Cash toward the purchase price.
Closing costs + prepaids$12,878Not just lender fees.
Before credits & paid funds$66,049The complete starting cash picture.
Estimated remaining funds due at closing
$66,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,171.01
Your down payment$53,171.01
Closing costs + prepaids$12,878.13
Total buyer cash needed$66,049.14
Remaining funds due$66,049.14
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%)$3,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,599.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$932.50
Prepaid interest, first (28 days)$1,398.49
Fees + prepaids$12,878.13
Your down payment is the seller’s equity. You take over the $319,829 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $66,049.14 is due at closing. Uses and sources reconcile at $385,878.13 each. Not a Closing Disclosure.