Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,368Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$79,866The complete starting cash picture.
Estimated remaining funds due at closing
$79,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,368.04
Your down payment$68,368.04
Closing costs + prepaids$11,497.94
Total buyer cash needed$79,865.98
Remaining funds due$79,865.98
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%)$3,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,495.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.75
Initial HOA (3 months)$140.01
Prepaid interest, first (31 days)$721.52
Fees + prepaids$11,497.94
Your down payment is the seller’s equity. You take over the $299,132 balance, so the rest of the $367,500 price is paid at closing. A second mortgage can cover part of it. $79,865.98 is due at closing. Uses and sources reconcile at $378,997.94 each. Not a Closing Disclosure.