Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$49,154Cash toward the purchase price.
Closing costs + prepaids$11,425Not just lender fees.
Before credits & paid funds$60,579The complete starting cash picture.
Estimated remaining funds due at closing
$60,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,153.51
Your down payment$49,153.51
Closing costs + prepaids$11,425.00
Total buyer cash needed$60,578.51
Remaining funds due$60,578.51
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%)$1,604.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Prepaid interest, first (17 days)$458.77
Fees + prepaids$11,425.00
Your down payment is the seller’s equity. You take over the $320,846 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $60,578.51 is due at closing. Uses and sources reconcile at $381,425.00 each. Not a Closing Disclosure.