Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$59,883Cash toward the purchase price.
Closing costs + prepaids$12,265Not just lender fees.
Before credits & paid funds$72,149The complete starting cash picture.
Estimated remaining funds due at closing
$72,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,883.20
Your down payment$59,883.20
Closing costs + prepaids$12,265.30
Total buyer cash needed$72,148.51
Remaining funds due$72,148.51
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,525.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.00
Initial HOA (3 months)$276.00
Prepaid interest, first (20 days)$1,086.72
Fees + prepaids$12,265.30
Your down payment is the seller’s equity. You take over the $305,117 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $72,148.51 is due at closing. Uses and sources reconcile at $377,265.30 each. Not a Closing Disclosure.