Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$63,178Cash toward the purchase price.
Closing costs + prepaids$11,580Not just lender fees.
Before credits & paid funds$74,758The complete starting cash picture.
Estimated remaining funds due at closing
$74,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,177.94
Your down payment$63,177.94
Closing costs + prepaids$11,580.02
Total buyer cash needed$74,757.96
Remaining funds due$74,757.96
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%)$3,579.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,473.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.50
Initial HOA (3 months)$32.49
Prepaid interest, first (16 days)$829.42
Fees + prepaids$11,580.02
Your down payment is the seller’s equity. You take over the $294,722 balance, so the rest of the $357,900 price is paid at closing. A second mortgage can cover part of it. $74,757.96 is due at closing. Uses and sources reconcile at $369,480.02 each. Not a Closing Disclosure.