Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,776Cash toward the purchase price.
Closing costs + prepaids$13,123Not just lender fees.
Before credits & paid funds$75,899The complete starting cash picture.
Estimated remaining funds due at closing
$75,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,776.10
Your down payment$62,776.10
Closing costs + prepaids$13,122.83
Total buyer cash needed$75,898.93
Remaining funds due$75,898.93
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%)$1,536.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,156.50
Initial HOA (3 months)$35.01
Prepaid interest, first (27 days)$1,477.20
Fees + prepaids$13,122.83
Your down payment is the seller’s equity. You take over the $307,224 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $75,898.93 is due at closing. Uses and sources reconcile at $383,122.83 each. Not a Closing Disclosure.