Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$61,224Cash toward the purchase price.
Closing costs + prepaids$12,010Not just lender fees.
Before credits & paid funds$73,234The complete starting cash picture.
Estimated remaining funds due at closing
$73,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,224.30
Your down payment$61,224.30
Closing costs + prepaids$12,010.05
Total buyer cash needed$73,234.35
Remaining funds due$73,234.35
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%)$3,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,623.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.50
Initial HOA (3 months)$120.00
Prepaid interest, first (15 days)$707.17
Fees + prepaids$12,010.05
Your down payment is the seller’s equity. You take over the $324,676 balance, so the rest of the $385,900 price is paid at closing. A second mortgage can cover part of it. $73,234.35 is due at closing. Uses and sources reconcile at $397,910.05 each. Not a Closing Disclosure.