Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$53,082Cash toward the purchase price.
Closing costs + prepaids$11,426Not just lender fees.
Before credits & paid funds$64,508The complete starting cash picture.
Estimated remaining funds due at closing
$64,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,081.94
Your down payment$53,081.94
Closing costs + prepaids$11,426.38
Total buyer cash needed$64,508.32
Remaining funds due$64,508.32
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%)$3,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,597.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.00
Initial HOA (3 months)$168.00
Prepaid interest, first (10 days)$271.29
Fees + prepaids$11,426.38
Your down payment is the seller’s equity. You take over the $319,418 balance, so the rest of the $372,500 price is paid at closing. A second mortgage can cover part of it. $64,508.32 is due at closing. Uses and sources reconcile at $383,926.38 each. Not a Closing Disclosure.