Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$69,195Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$80,822The complete starting cash picture.
Estimated remaining funds due at closing
$80,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,194.88
Your down payment$69,194.88
Closing costs + prepaids$11,627.09
Total buyer cash needed$80,821.97
Remaining funds due$80,821.97
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$739.50
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$587.07
Fees + prepaids$11,627.09
Your down payment is the seller’s equity. You take over the $290,705 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $80,821.97 is due at closing. Uses and sources reconcile at $371,527.09 each. Not a Closing Disclosure.