Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$57,722Cash toward the purchase price.
Closing costs + prepaids$10,884Not just lender fees.
Before credits & paid funds$68,606The complete starting cash picture.
Estimated remaining funds due at closing
$68,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,721.80
Your down payment$57,721.80
Closing costs + prepaids$10,884.31
Total buyer cash needed$68,606.11
Remaining funds due$68,606.11
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,506.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.75
Prepaid interest, first (6 days)$139.17
Fees + prepaids$10,884.31
Your down payment is the seller’s equity. You take over the $301,278 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $68,606.11 is due at closing. Uses and sources reconcile at $369,884.31 each. Not a Closing Disclosure.