Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$62,022Cash toward the purchase price.
Closing costs + prepaids$11,641Not just lender fees.
Before credits & paid funds$73,663The complete starting cash picture.
Estimated remaining funds due at closing
$73,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,022.24
Your down payment$62,022.24
Closing costs + prepaids$11,640.78
Total buyer cash needed$73,663.01
Remaining funds due$73,663.01
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,539.39
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)$231.00
Prepaid interest, first (9 days)$509.39
Fees + prepaids$11,640.78
Your down payment is the seller’s equity. You take over the $307,878 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $73,663.01 is due at closing. Uses and sources reconcile at $381,540.78 each. Not a Closing Disclosure.