Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$65,839Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$78,542The complete starting cash picture.
Estimated remaining funds due at closing
$78,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,838.74
Your down payment$65,838.74
Closing costs + prepaids$12,703.44
Total buyer cash needed$78,542.18
Remaining funds due$78,542.18
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%)$3,775.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,558.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.00
Prepaid interest, first (31 days)$1,731.13
Fees + prepaids$12,703.44
Your down payment is the seller’s equity. You take over the $311,661 balance, so the rest of the $377,500 price is paid at closing. A second mortgage can cover part of it. $78,542.18 is due at closing. Uses and sources reconcile at $390,203.44 each. Not a Closing Disclosure.