Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$53,961Cash toward the purchase price.
Closing costs + prepaids$11,676Not just lender fees.
Before credits & paid funds$65,637The complete starting cash picture.
Estimated remaining funds due at closing
$65,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,961.26
Your down payment$53,961.26
Closing costs + prepaids$11,676.14
Total buyer cash needed$65,637.40
Remaining funds due$65,637.40
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%)$1,580.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$183.00
Prepaid interest, first (9 days)$550.95
Fees + prepaids$11,676.14
Your down payment is the seller’s equity. You take over the $316,039 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $65,637.40 is due at closing. Uses and sources reconcile at $381,676.14 each. Not a Closing Disclosure.