Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$53,276Cash toward the purchase price.
Closing costs + prepaids$12,062Not just lender fees.
Before credits & paid funds$65,338The complete starting cash picture.
Estimated remaining funds due at closing
$65,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,276.18
Your down payment$53,276.18
Closing costs + prepaids$12,062.10
Total buyer cash needed$65,338.29
Remaining funds due$65,338.29
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%)$3,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.75
Prepaid interest, first (25 days)$1,419.75
Fees + prepaids$12,062.10
Your down payment is the seller’s equity. You take over the $301,723 balance, so the rest of the $354,999 price is paid at closing. A second mortgage can cover part of it. $65,338.29 is due at closing. Uses and sources reconcile at $367,061.10 each. Not a Closing Disclosure.