Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$55,433Cash toward the purchase price.
Closing costs + prepaids$12,449Not just lender fees.
Before credits & paid funds$67,882The complete starting cash picture.
Estimated remaining funds due at closing
$67,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,432.68
Your down payment$55,432.68
Closing costs + prepaids$12,449.02
Total buyer cash needed$67,881.70
Remaining funds due$67,881.70
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,567.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$442.75
Initial HOA (3 months)$960.00
Prepaid interest, first (10 days)$570.43
Fees + prepaids$12,449.02
Your down payment is the seller’s equity. You take over the $313,567 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $67,881.70 is due at closing. Uses and sources reconcile at $381,449.02 each. Not a Closing Disclosure.