Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,453Cash toward the purchase price.
Closing costs + prepaids$11,049Not just lender fees.
Before credits & paid funds$59,502The complete starting cash picture.
Estimated remaining funds due at closing
$59,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,453.03
Your down payment$48,453.03
Closing costs + prepaids$11,048.58
Total buyer cash needed$59,501.60
Remaining funds due$59,501.60
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,607.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$468.75
Prepaid interest, first (2 days)$54.09
Fees + prepaids$11,048.58
Your down payment is the seller’s equity. You take over the $321,547 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $59,501.60 is due at closing. Uses and sources reconcile at $381,048.58 each. Not a Closing Disclosure.