Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$54,721Cash toward the purchase price.
Closing costs + prepaids$11,090Not just lender fees.
Before credits & paid funds$65,811The complete starting cash picture.
Estimated remaining funds due at closing
$65,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,720.63
Your down payment$54,720.63
Closing costs + prepaids$11,090.45
Total buyer cash needed$65,811.08
Remaining funds due$65,811.08
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.75
Prepaid interest, first (17 days)$816.30
Fees + prepaids$11,090.45
Your down payment is the seller’s equity. You take over the $274,279 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $65,811.08 is due at closing. Uses and sources reconcile at $340,090.45 each. Not a Closing Disclosure.