Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$51,276Cash toward the purchase price.
Closing costs + prepaids$11,550Not just lender fees.
Before credits & paid funds$62,826The complete starting cash picture.
Estimated remaining funds due at closing
$62,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,276.18
Your down payment$51,276.18
Closing costs + prepaids$11,549.70
Total buyer cash needed$62,825.88
Remaining funds due$62,825.88
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%)$3,529.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,508.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.25
Prepaid interest, first (15 days)$851.85
Fees + prepaids$11,549.70
Your down payment is the seller’s equity. You take over the $301,723 balance, so the rest of the $352,999 price is paid at closing. A second mortgage can cover part of it. $62,825.88 is due at closing. Uses and sources reconcile at $364,548.70 each. Not a Closing Disclosure.