Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$47,274Cash toward the purchase price.
Closing costs + prepaids$13,409Not just lender fees.
Before credits & paid funds$60,684The complete starting cash picture.
Estimated remaining funds due at closing
$60,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,274.26
Your down payment$47,274.26
Closing costs + prepaids$13,409.30
Total buyer cash needed$60,683.55
Remaining funds due$60,683.55
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%)$1,608.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,607.00
Prepaid interest, first (22 days)$1,285.67
Fees + prepaids$13,409.30
Your down payment is the seller’s equity. You take over the $321,726 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $60,683.55 is due at closing. Uses and sources reconcile at $382,409.30 each. Not a Closing Disclosure.