Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$52,518Cash toward the purchase price.
Closing costs + prepaids$12,700Not just lender fees.
Before credits & paid funds$65,218The complete starting cash picture.
Estimated remaining funds due at closing
$65,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,518.44
Your down payment$52,518.44
Closing costs + prepaids$12,699.62
Total buyer cash needed$65,218.06
Remaining funds due$65,218.06
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.50
Prepaid interest, first (31 days)$1,876.71
Fees + prepaids$12,699.62
Your down payment is the seller’s equity. You take over the $317,482 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $65,218.06 is due at closing. Uses and sources reconcile at $382,699.62 each. Not a Closing Disclosure.