Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$55,433Cash toward the purchase price.
Closing costs + prepaids$12,808Not just lender fees.
Before credits & paid funds$68,241The complete starting cash picture.
Estimated remaining funds due at closing
$68,241No 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$12,807.87
Total buyer cash needed$68,240.55
Remaining funds due$68,240.55
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)$345.25
Initial HOA (3 months)$960.00
Prepaid interest, first (18 days)$1,026.78
Fees + prepaids$12,807.87
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. $68,240.55 is due at closing. Uses and sources reconcile at $381,807.87 each. Not a Closing Disclosure.