Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,656Cash toward the purchase price.
Closing costs + prepaids$10,960Not just lender fees.
Before credits & paid funds$67,617The complete starting cash picture.
Estimated remaining funds due at closing
$67,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,656.24
Your down payment$56,656.24
Closing costs + prepaids$10,960.36
Total buyer cash needed$67,616.60
Remaining funds due$67,616.60
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,491.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.00
Prepaid interest, first (12 days)$274.64
Fees + prepaids$10,960.36
Your down payment is the seller’s equity. You take over the $298,344 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $67,616.60 is due at closing. Uses and sources reconcile at $365,960.36 each. Not a Closing Disclosure.