Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,990Cash toward the purchase price.
Closing costs + prepaids$11,803Not just lender fees.
Before credits & paid funds$68,792The complete starting cash picture.
Estimated remaining funds due at closing
$68,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,989.54
Your down payment$56,989.54
Closing costs + prepaids$11,802.68
Total buyer cash needed$68,792.22
Remaining funds due$68,792.22
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%)$3,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$529.75
Initial HOA (3 months)$200.01
Prepaid interest, first (31 days)$739.88
Fees + prepaids$11,802.68
Your down payment is the seller’s equity. You take over the $303,009 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $68,792.22 is due at closing. Uses and sources reconcile at $371,801.68 each. Not a Closing Disclosure.