Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,153Cash toward the purchase price.
Closing costs + prepaids$12,626Not just lender fees.
Before credits & paid funds$61,779The complete starting cash picture.
Estimated remaining funds due at closing
$61,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,152.91
Your down payment$49,152.91
Closing costs + prepaids$12,625.66
Total buyer cash needed$61,778.57
Remaining funds due$61,778.57
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,653.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$457.50
Prepaid interest, first (25 days)$1,497.42
Fees + prepaids$12,625.66
Your down payment is the seller’s equity. You take over the $330,747 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $61,778.57 is due at closing. Uses and sources reconcile at $392,525.66 each. Not a Closing Disclosure.