Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$58,007Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$68,921The complete starting cash picture.
Estimated remaining funds due at closing
$68,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,006.84
Your down payment$58,006.84
Closing costs + prepaids$10,913.70
Total buyer cash needed$68,920.54
Remaining funds due$68,920.54
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%)$3,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$293.25
Prepaid interest, first (20 days)$637.48
Fees + prepaids$10,913.70
Your down payment is the seller’s equity. You take over the $278,993 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $68,920.54 is due at closing. Uses and sources reconcile at $347,913.70 each. Not a Closing Disclosure.