Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$62,379Cash toward the purchase price.
Closing costs + prepaids$10,750Not just lender fees.
Before credits & paid funds$73,129The complete starting cash picture.
Estimated remaining funds due at closing
$73,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,379.26
Your down payment$62,379.26
Closing costs + prepaids$10,749.52
Total buyer cash needed$73,128.77
Remaining funds due$73,128.77
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%)$3,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,373.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.25
Prepaid interest, first (16 days)$367.16
Fees + prepaids$10,749.52
Your down payment is the seller’s equity. You take over the $274,621 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $73,128.77 is due at closing. Uses and sources reconcile at $347,749.52 each. Not a Closing Disclosure.