Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$58,075Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$70,421The complete starting cash picture.
Estimated remaining funds due at closing
$70,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,074.89
Your down payment$58,074.89
Closing costs + prepaids$12,346.39
Total buyer cash needed$70,421.27
Remaining funds due$70,421.27
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,634.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (25 days)$1,139.76
Fees + prepaids$12,346.39
Your down payment is the seller’s equity. You take over the $326,925 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $70,421.27 is due at closing. Uses and sources reconcile at $397,346.39 each. Not a Closing Disclosure.