Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$62,022Cash toward the purchase price.
Closing costs + prepaids$12,845Not just lender fees.
Before credits & paid funds$74,867The complete starting cash picture.
Estimated remaining funds due at closing
$74,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,022.24
Your down payment$62,022.24
Closing costs + prepaids$12,845.20
Total buyer cash needed$74,867.44
Remaining funds due$74,867.44
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,539.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.25
Initial HOA (3 months)$231.00
Prepaid interest, first (31 days)$1,754.57
Fees + prepaids$12,845.20
Your down payment is the seller’s equity. You take over the $307,878 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $74,867.44 is due at closing. Uses and sources reconcile at $382,745.20 each. Not a Closing Disclosure.