Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,089Cash toward the purchase price.
Closing costs + prepaids$14,024Not just lender fees.
Before credits & paid funds$48,113The complete starting cash picture.
Estimated remaining funds due at closing
$48,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,088.82
Your down payment$34,088.82
Closing costs + prepaids$14,023.87
Total buyer cash needed$48,112.69
Remaining funds due$48,112.69
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,679.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$2,166.00
Prepaid interest, first (28 days)$747.06
Fees + prepaids$14,023.87
Your down payment is the seller’s equity. You take over the $335,811 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $48,112.69 is due at closing. Uses and sources reconcile at $383,923.87 each. Not a Closing Disclosure.