Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$66,096Cash toward the purchase price.
Closing costs + prepaids$12,212Not just lender fees.
Before credits & paid funds$78,308The complete starting cash picture.
Estimated remaining funds due at closing
$78,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,095.78
Your down payment$66,095.78
Closing costs + prepaids$12,212.36
Total buyer cash needed$78,308.14
Remaining funds due$78,308.14
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%)$1,594.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$639.00
Prepaid interest, first (25 days)$910.84
Fees + prepaids$12,212.36
Your down payment is the seller’s equity. You take over the $318,904 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $78,308.14 is due at closing. Uses and sources reconcile at $397,212.36 each. Not a Closing Disclosure.