Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$59,244Cash toward the purchase price.
Closing costs + prepaids$12,103Not just lender fees.
Before credits & paid funds$71,347The complete starting cash picture.
Estimated remaining funds due at closing
$71,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,243.96
Your down payment$59,243.96
Closing costs + prepaids$12,103.48
Total buyer cash needed$71,347.44
Remaining funds due$71,347.44
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,503.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.25
Prepaid interest, first (28 days)$1,459.95
Fees + prepaids$12,103.48
Your down payment is the seller’s equity. You take over the $300,656 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $71,347.44 is due at closing. Uses and sources reconcile at $372,003.48 each. Not a Closing Disclosure.