Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,849Cash toward the purchase price.
Closing costs + prepaids$13,186Not just lender fees.
Before credits & paid funds$77,035The complete starting cash picture.
Estimated remaining funds due at closing
$77,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,849.15
Your down payment$63,849.15
Closing costs + prepaids$13,185.84
Total buyer cash needed$77,034.99
Remaining funds due$77,034.99
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.75
Initial HOA (3 months)$1,605.00
Prepaid interest, first (26 days)$643.34
Fees + prepaids$13,185.84
Your down payment is the seller’s equity. You take over the $306,151 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $77,034.99 is due at closing. Uses and sources reconcile at $383,185.84 each. Not a Closing Disclosure.