Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,622Cash toward the purchase price.
Closing costs + prepaids$11,300Not just lender fees.
Before credits & paid funds$74,922The complete starting cash picture.
Estimated remaining funds due at closing
$74,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,621.80
Your down payment$63,621.80
Closing costs + prepaids$11,299.94
Total buyer cash needed$74,921.74
Remaining funds due$74,921.74
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.50
Prepaid interest, first (26 days)$603.05
Fees + prepaids$11,299.94
Your down payment is the seller’s equity. You take over the $301,278 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $74,921.74 is due at closing. Uses and sources reconcile at $376,199.94 each. Not a Closing Disclosure.