Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$55,859Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$68,148The complete starting cash picture.
Estimated remaining funds due at closing
$68,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,858.83
Your down payment$55,858.83
Closing costs + prepaids$12,289.41
Total buyer cash needed$68,148.25
Remaining funds due$68,148.25
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,565.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,014.75
Prepaid interest, first (24 days)$800.96
Fees + prepaids$12,289.41
Your down payment is the seller’s equity. You take over the $313,141 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $68,148.25 is due at closing. Uses and sources reconcile at $381,289.41 each. Not a Closing Disclosure.