Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$53,961Cash toward the purchase price.
Closing costs + prepaids$11,860Not just lender fees.
Before credits & paid funds$65,822The complete starting cash picture.
Estimated remaining funds due at closing
$65,822No 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$11,860.30
Total buyer cash needed$65,821.56
Remaining funds due$65,821.56
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)$16.00
Initial HOA (3 months)$183.00
Prepaid interest, first (19 days)$1,163.11
Fees + prepaids$11,860.30
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. $65,821.56 is due at closing. Uses and sources reconcile at $381,860.30 each. Not a Closing Disclosure.